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Phil Caulfield, Mortgage Lender - San Francisco Bay Area (Absolute Mortgage Banking)
NMLS#386911

Phil Caulfield, Mortgage Lender - San Francisco Bay Area

Mortgage Banker / San Mateo, CA
Absolute Mortgage Banking
Find me at:

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."

Subscribe To My Blog!

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

I get the loans done that the big banks won't!
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