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Phil Caulfield, Mortgage Lender - San Francisco Bay Area (Opes Advisors)
NMLS#386911 DBO #386911

Phil Caulfield, Mortgage Lender - San Francisco Bay Area

Mortgage and Lending / San Mateo, CA
Opes Advisors

Get to know Phil Caulfield

My goal with this blog is to become the "go-to" Loan Officer for the San Francisco Bay Area real estate agent. 

I hope to achieve this goal by providing content that will help the real estate agent develop their business with insight, tools, and technologies that I have learned or can share with them.

I am a graduate of Burlingame High School and Santa Clara University with a B.S. in Commerce. I have been originating loans since 1985! I am married to Elizabeth and we have seven children.I enjoy coaching youth sports, exercising, and playing golf.

If you would like to discuss a loan transaction, call me at (650) 222-0386, or e-mail me.

 I am a licensed mortgage originator, NMLS# 386911, and am licensed to originate mortgage loans in California. To learn more, visit my website.

Phil Caulfield Expertise

  • Buyers
  • Condos/Townhomes
  • Investment Properties
  • Luxury Homes
  • New Construction
  • Residential
  • Jumbo mortgage loans
  • FHA 203K

Millbrae, Burlingame, Hillsborough, San Mateo, Foster City, Belmont, San Carlos, Redwood City, Menlo Park, Woodside, Atherton, and Palo Alto are the main cities I serve. I am centrally located in Burlingame. 

I also am able to help clients in San Francisco County, Marin County, Santa Clara County, Contra Costa County, and Alameda County.

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1. I determine the best time to lock in your interest rate by watching the movement of the bond market throughout the day.

2. I analyze your income documentation to determine the amount of income you have to qualify for your loan.

3. I read your credit report and determine the amount of monthly debt you have. I also check for errors and make suggestions to you about how to increase your credit score if necessary.

4. I suggest various products and terms to you for the greatest financial benefit to you along with the highest probability of getting your loan approved.

Phil Caulfield Testimonials

  • Trace' Condon

    "We have known Phil both personally and as a loan broker for several years. When doing business with Phil he has always been very helpful, knowledgeable and thorough when helping us with our loan needs! Phil also does a great job keeping us informed when rates are changing and continues to update us regularly with valuable financing information....We highly recommend Phil for any of your financing needs!"

  • Lynn Lenardon

    "Working with Phil was easy. He was professional and provided us with a great rate when refinancing our home. He also helped my daughter and son in law out with a tough loan on a short sale home. I would recommend him highly."

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My blog is dedicated to helping you, the real estate agent, grow your business with great tools, systems, and strategies!

"Help when you make the most important financial decisions of your life"
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