Phil Caulfield

Based in Burlingame, CA

NMLS# 386911

I am a Branch Manager with Cardinal Financial Company, Limited Partnership.

I have experience with many types of loans, such as conforming, jumbo, FHA, and VA. I have worked with all types of clients, ranging from first- time buyers to high net worth individuals.

As a mortgage banker, we are able to offer many different types of loan programs to meet the needs of a wide variety of clients.

For example, we offer programs with low down payment requirements, which can be attractive to first-time buyers.

The current mortgage landscape requires a tremendous amount of documentation and disclosure. My goal is to make the process as painless and as simple as possible. Having 34 years of experience has enabled me to anticipate the issues that may come up during the loan process. I work with my clients upfront to work through these issues so that the surprises during the processing of their mortgage are minimized.

I grew up, live, and work in Burlingame.

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