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
I am a lender and, I have to admit, sometimes we have some pretty silly requests! The silliness has increased in recent years because of the increased documentation demands. I hear the wisecrack all of the time "What's next, are they going to want a blood sample?" Well, maybe not a blood sample, ...
Looking for the lowest mortgage interest rate in the SF Bay Area? Are you searching for the lowest mortgage interest rate in the San Francisco Bay Area? Well, you need to look at other factors that come into play. George Souto does a great job here explaining what other factors come into play. Ma...
145 CRESCENT AVENUE BURLINGAME CA 94010 $Upon Request | 4 BEDROOMS | 4.5 BATHROOMS | 2 DETACHED GARAGE | 3484 MOL SQUARE FEET This stunning new Craftsman style home is centrally located in Burlingame Park. Conveniently located and walking distance from the quaint shops and restaurants on Burling...
  Does it make sense to buy a home now? Homebuyers ask themselves this question all of the time. Real estate agents have to have a good answer for it. You can take your best guess at the answer, but wouldn't it help if you could visualize the results of whatever decision you make? Of course it wo...
1952 FOREST VIEW AVENUE HILLSBOROUGH CA 94010 $6,775,000 | 7 BEDROOMS | 8 BATHROOMS | 2 CAR PARKING | 5180 SQUARE FEET Authentic & classically elegant New England Colonial on 1.41 totally level lot.One of Hillsborough most revered Estates. Best,lower north location. Walk to downtown Burlingame. ...
The FHA mortgage is an under-utlized financing tool here in the San Francisco Bay Area. Larry Bettag has written a very informative article about the main benefits of the FHA mortgage. The maximum loan amount here in most parts of the SF Bay Area is $729,750. For those of us that are income-rich ...
Paying off a collection account can hurt your credit score! It does not make sense, right? Well Joseph Metzler does a great job explaining why in this very informative article about credit scoring.Minneapolis, MN:  Sometimes life happens.  Good people end up with bad credit. But for most, bad cre...
Gene Mundt found an interesting article about how credit scores are having an impact on the relationship scene! Hey singles out there - pay down your credit cards to help you find that perfect guy or gal!    Knowing the Financial Philosophy and Standing of a Potential Partner is Growing in Import...
There is great advice here from a realtor about the actions to avoid while you are in the process of finding and buying a home. These commandments will help homebuyers avoid a lot of headaches during this process!   As a Realtor, when I meet with first-time buyers, we discuss ...
  Sometimes I like to think outside the box! All of the publicity recently about getting rid of the mortgage interest deduction got me thinking. Suppose we replaced the mortgage interest tax deduction with a mortgage principal tax deduction! In Phil's world, here is what this would look like. The...

Phil Caulfield

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