Phil Caulfield Mortgage Lender

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Mortgage and Lending - Guarantee Mortgage - NMLS#386911 DBO #1850
Burlingame, San Mateo, Hillsborough, Foster City, Millbrae, San Bruno, Belmont, San Francisco, San Carlos, Redwood City, Woodside, Menlo Park, Atherton, Palo Alto, Los Altos, Half Moon Bay
The video email service BombBomb can be used to generate business! I started using BombBomb several months ago. I am super excited about how it has helped me connect with people, and I have only scratched the surface with its capabilities! In this article I will let you know how I am utilizing Bo...
We are offering this loan program for properties in California - contact me for details! See if you qualify
The Silicon Valley real estate market has been in a seller's market for a long time. I had the opportunity to interview long time agent Lou Realyvasquez about the current market. Lou has a lot of wisdom about what is going on here - I hope you enjoy! 
You own a home. You want to buy another home before selling, but you don't have enough money to make a down payment on the type of home you want. Your down payment is trapped in your home! What can you do?I am here to help! The first thing you should do is use my buy a home before selling calcula...
You have decided to sell your home. How are you going to decide what to do with your money, and/or spend the money?  I am going to help you decide! You may have had to consider where to move, what furnishings to keep, what furnishings to sell, placing your kids in new schools, etc.,etc. These dec...
Here in the San Francisco Bay Area there are many buyers paying cash to buy a home in order to win in multiple offer situations in this very competitive market.  Paying cash is a great strategy to buy the home. The question the buyer must consider after closing escrow is "does it make sense to ge...
I started with Opes Advisors as a Branch Manager and originator in San Mateo, CA in February of this year. I have been an originator since 1985. I probably would have pursued management earlier, however, my wife and I have seven kids! I had enough on my plate managing our family! I was attracted ...
Applying for a mortgage is like going out on a date - you want to look your best!  You may think you look your best with the documentation you have provided. The lender, however, may pick up on some "blemishes" that you have that you may not be aware of. The formula to qualify for a mortgage is p...
Gene Mundt does a great job here explaining the mechanics of the debt-to-income (DTI) ratio calculation. This number has become more important than it has been in the past because the lenders are very concerned with your ability to repay. Gone are the days of getting approved simply because of su...
Connecticut mortgage lender Rick Cignoli has written an excellent article about the credit score. Many consumers are unaware of the factors that affect their FICO score.  Rick explains the different factors and approximately how much rach factor  is weighted in the overall score. It is important ...

Phil Caulfield

I Get The Loans Done That The Big Banks Don't!
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