Phil Caulfield Mortgage Lender

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Mortgage and Lending - Cardinal Financial Company, Limited Partnership - NMLS#386911
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
RECENT BLOG POSTS
As a real estate agent, you will inevitably have a client who wants or needs to buy a home before selling their current home. This scenario is complex - it requires preparation and teamwork between the seller/buyer, real estate agent, and lender(s) prior to moving forward. Here in the San Francis...
03/04/2019
Can a LLC Get A Mortgage?A LLC, believe it or not, can be the vesting for a residential mortgage (including a primary residence, vacation home, and rental property)!You may have called several mortgage lenders asking if you can take title to the property in your LLC and been told that is not allo...
11/11/2018
05/14/2018
05/11/2018
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...
01/28/2018
We are offering this loan program for properties in California - contact me for details! See if you qualify
01/21/2018
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! 
11/02/2017
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...
05/22/2015
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...
03/19/2015
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...
02/28/2015
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PhilCaulfield

I Get The Loans Done That The Big Banks Don't!
smartphone(650) 222-0386
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Phil Caulfield is a Loan Officer with Cardinal Financial. I have experience with many types of loans, such as conforming, jumbo, FHA, and VA. I have worked with all types of clients, ranging from first- time buyers to high net worth individuals. As a mortgage banker, we are able to offer many different types of loan programs to meet the needs of a wide variety of clients. For example, we offer programs with low down payment requirements, which can be attractive to first-time buyers. We also can help clients who are having a difficult time qualifying with traditional income documentation by utilizing alternative documentation, such as bank statements, to qualify. Interest-only loans have been attractive to high net worth clients. These type of mortgages give the borrower more flexibility in terms of allocating funds into financial vehicles they deem to be the most attractive. The current mortgage landscape requires a tremendous amount of documentation and disclosure. My goal as a Loan Officer is to make the process as painless and as simple as possible. Having 30 years of experience has enabled me to anticipate the issues that may come up during the loan process. I work with my clients upfront to work through these issues so that the surprises during the processing of their mortgage are minimized. I grew up, live, and work in Burlingame. Many of my clients, naturally, are from Burlingame and the surrounding cities such as Hillsborough, San Mateo, Foster City, and Millbrae. I am licensed in the state of California, so I can help people who want to buy or own property anywhere in the state. Our parent company, American Pacific Mortgage, operates in many states outside of California. If a client has a property out of state, they can be referred to a local American Pacific Mortgage branch.