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
If you have a son who wants to play college baseball, the Arizona Fall Classic in Peoria is a great event to attend! I went with my twin boys, Tommy and Philip, who are high school seniors this year. Tommy is a left handed pitcher that bats right handed.                             Philip is a ri...
Homes For Sale In Hillsborough CA Over Ten Million Hillsborough has many expensive homes. It is located conveniently in between San Francisco and Silicon Valley. If you are looking at homes for sale in Hillsborough CA over ten million dollars, there are usually several on the market. Generally sp...
Mortgage Glossary When you buy a home, knowledge is king! Knowledge about the area, the schools, and price range are extremely important. Knowledge of mortgage terms is also very important, so a good place to obtain this knowledge is from a mortgage glossary. Obtaining financing for a home has it...
A jumbo lender will scrutinize every credit report they look at very closely. They look for much more than payment history and what the payments are. Here is a list of ten items that a jumbo lender will pay attention to and why they think it is important: Late payments - a borrower's willingness ...
  When I am asked to do a jumbo mortgage rate quote, I usually ask the potential borrower if I can give them a call back. Why? Because I have to go through a list of factors that determine what the rate will be. As a matter of fact, there are eleven factors I know of that have to be considered wh...
Get Rid of PMI Mortgage Insurance I am writing this post as a public service to all homeowners in the counties of San Mateo, San Francisco, Alameda, Contra Costa, and Marin Counties. If you are paying for mortgage insurance (also known as PMI, MIP, or MI) stop this insanity! You have an alternati...
How would you like to create two transactions and make your clients extremely happy! I know what you're thinking - how is this mortgage guy going to show me how to sell homes? I welcome the skepticism but after you read this article I think you will see the brilliance in this! This system is base...
Are you interested in purchasing 172 N. Spruce Avenue? This home for sale in South San Francisco for $549,000 has financing available with the following terms: 5% minimum down payment No mortgage insurance required! 30 year fixed rate term No points No pre-payment penalty $1595 lender origination...
Have you lost a high-end client because they could not qualify for financing? That's an awful feeling! In my experience, the guideline that is the hardest to satisfy is the cash reserve requirements. Cash reserves are the amount of money the client has left over after the down payment and closing...
If you are a real estate agent, I would imagine you would want to have as much information as possible about the property your client wants to either sell or buy. One bit of information you should know is the number of the census tract the property is located in. This number can be found on the G...

Phil Caulfield

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