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
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...
08/11/2014
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...
08/11/2014
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 ...
07/12/2014
Today the San Mateo Daily Journal published an article regarding new housing in Downtown Burlingame. When I saw the headline, two issues came to mind immediately, parking and traffic (if you have spent any time in Burlingame, you know about our parking issues in the downtown area).  If the city d...
07/09/2014
  Mark Taylor, a mortgage lender in Scottsdale, Arizona, addresses an important topic (maybe this is the most important for a consumer1) - how much can a home buyer or homeowner truly afford? Here at Opes Advisors we have a proprietary tool utilized by our licensed employees in order to help them...
07/08/2014
  George Souto, a Connecticut mortgage lender, makes a great point here in the blog post he has written. Why do so few veterans have VA loans? Here in the San Francisco Bay Area, the maximum loan amount in some areas is as high as $1,050,000! Loan amount is not an issue, nor can the down payment ...
07/07/2014
When I am asked "Can you help me get a mortgage loan to buy a home before selling my current home?", my answer is "Yes, there is a program for that!" The program incorporates what is called cross-collateralization. Cross-collateralization in mortgages occurs when a lender has two or more pieces o...
04/26/2014
 I will explain to you why someone would want to get a pledged asset mortgage loan with an example. Bill Buyer likes his investments. He believes that the return on these investments will benefit him more than liquidating them for the down payment into the property.  Bill also likes to buy and se...
04/21/2014
Yesterday pro golfer Pablo Larrazabal was playing in the Maybank Malaysian Open. He was on the 5th fairway when he was attacked by a swarm of hornets! Why do I bring this story to your attention? I think it is an amazing story of courage and concentration! Larrazabal had the courage to put his sh...
04/18/2014
An article was published on SFGate yesterday stating that the median price for a Bay Area home increased 23.2 percent in March from the median price in March 2013. Wow! Imagine being a buyer looking for a home in this market! Prices are high and inventory is low. This article made me think about ...
04/17/2014
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Phil Caulfield

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