Phil Caulfield

 Phil Caulfield (NMLS #386911) is a mortgage loan officer with New American Funding based in Burlingame, California. He helps homebuyers, homeowners, and real estate investors throughout San Mateo County and the Bay Area, including Burlingame, Hillsborough, San Mateo, and Millbrae. Phil focuses on mortgage strategies for borrowers whose needs go beyond a straightforward home loan. His areas of focus include jumbo loans for luxury homes, buyi...

 Phil Caulfield (NMLS #386911) is a mortgage loan officer with New American Funding based in Burlingame, California. He helps homebuyers, homeowners, and real estate investors throughout San Mateo County and the Bay Area, including Burlingame, Hillsborough, San Mateo, and Millbrae.

Phil focuses on mortgage strategies for borrowers whose needs go beyond a straightforward home loan. His areas of focus include jumbo loans for luxury homes, buying a home before selling an existing property, bridge loans, and cross-collateral financing. He helps buyers and their real estate agents evaluate ways to access home equity and make an offer without a home-sale contingency.

For self-employed borrowers, Phil helps explore non-QM mortgage options, including bank statement loans and alternative income documentation. He also works with borrowers who have restricted stock units (RSUs), bonus income, or substantial assets, helping them understand how their financial circumstances may fit available mortgage programs. Real estate investors can consult Phil about DSCR loans, which evaluate rental property cash flow.

Phil collaborates with Realtors and financial advisors to help clients consider financing alongside liquidity, cash flow, and long-term goals. His approach starts with asking thoughtful questions and explaining the options in plain English.

Whether you are purchasing a home, planning a move, refinancing, or exploring financing for an investment property, contact Phil for a mortgage strategy conversation tailored to your situation.