Phil Caulfield,  San Francisco Bay Area (Guarantee Mortgage)
NMLS#386911 DBO #1850

851 Burlway

Burlingame , CA 94010

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I can get the mortgage loans done that the big banks can't!

Get to know Phil Caulfield

I am a graduate of Burlingame High School and Santa Clara University with a B.S. in Commerce. I have been originating loans since 1985! I am married to Elizabeth and we have seven children.I enjoy coaching youth sports, exercising, and playing golf.


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Millbrae, Burlingame, Hillsborough, San Mateo, Foster City, Belmont, San Carlos, Redwood City, Menlo Park, Woodside, Atherton, and Palo Alto are the main cities I serve. I am centrally located in Burlingame. 

I also am able to help clients in San Francisco County, Marin County, Santa Clara County, Contra Costa County, and Alameda County.


1. I determine the best time to lock in your interest rate by watching the movement of the bond market throughout the day.

2. I analyze your income documentation to determine the amount of income you have to qualify for your loan.

3. I read your credit report and determine the amount of monthly debt you have. I also check for errors and make suggestions to you about how to increase your credit score if necessary.

4. I suggest various products and terms to you for the greatest financial benefit to you along with the highest probability of getting your loan approved.

Testimonials for Phil Caulfield

  • Lynn Lenardon

    "Working with Phil was easy. He was professional and provided us with a great rate when refinancing our home. He also helped my daughter and son in law out with a tough loan on a short sale home. I would recommend him highly."

  • Trace' Condon

    "We have known Phil both personally and as a loan broker for several years. When doing business with Phil he has always been very helpful, knowledgeable and thorough when helping us with our loan needs! Phil also does a great job keeping us informed when rates are changing and continues to update us regularly with valuable financing information....We highly recommend Phil for any of your financing needs!"

    Service Areas (6)
    • Burlingame, CA
    • Hillsborough, CA
    • San Mateo, CA
    • Foster City, CA
    • San Mateo County, CA
    • San Francisco County, CA
    • Santa Clara County, CA
    Specialties (8)
    • Buyers
    • Condos/Townhomes
    • Investment Properties
    • Luxury Homes
    • New Construction
    • Residential
    • Jumbo mortgage loans
    • FHA 203K
    Languages (1)
    • English