San Mateo Mortgage Lender | Phil Caulfield | Mortgage Lender San Mateo County CA

Follow me
By
Mortgage and Lending - Opes Advisors - NMLS#386911 DBO #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
I started with Opes Advisors as a Branch Manager and originator in San Mateo, CA in February of this year. I have been an originator since 1985. I probably would have pursued management earlier, however, my wife and I have seven kids! I had enough on my plate managing our family! I was attracted ...
08/13/2014
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 mor...
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
"You have been countered, and you have two hours to make a decision" Rich the real estate agent told his clients Fred and Felicia Firsttimers.  Fred and Felicia were in the market to buy their first home. They searched the internet, went to open houses, and drove around the neighborhood...
08/07/2014
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 ...
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
Rainmaker
171,736

Phil Caulfield

Mortgage Lender - San Francisco Bay Area
E-mail me with your question or comment
*
*
*
Spam prevention

Accessibility option: listen to a question and answer it!

To submit the form,
drag the lock to the circle on the side.

Type below the answer to what you hear. Numbers or words, lowercase:

Additional Information