Philip Caulfield

Phil is a very knowledgeable and thoughtful guy who makes the process painless

Phil handled our refinance flawlessly. We were kept informed of the progress every step of the process and he was always available to answer questions and concerns. Great job!!

Absolutely LOVED working with Phil! I’m a realtor and found Phil to be so on point. His communication style was quick and easy, and he usually called before I called him:) Our clients loved him, and the deal was a success. Highly recommend!

Phil was with me every step of the way! In May 2016, I bought my first condo and had a lot of questions. He was there to answer every question and was very helpful throughout the entire process. I had reached out to other mortgage brokers, but because of Phil's working relationship with my real estate agent and his responsiveness, I decided to go with Phil.The great thing was that since I work in the East Bay very long hours, Phil was able to receive everything electronically. To this day, I still haven't met him in person because everything was done via email or phone! The pre-approval process was a breeze and I highly recommend him to anyone looking to purchase in the competitive Bay Area real estate market. He worked closely with my real estate agent and the title company so that I didn't have to get involved or worry about closing escrow. I've even recommended him to one of my best friends who will begin her house hunting process in a few months.Thank you, Phil!

Phil's professionalism, integrity and client centric focus is what defines his business model. Phil's competitive spirit gives him a leading edge on ensuring his clients have the best rate, customer service and are closer to attaining their goals. His commitment to the community and his family is one of the personal attributes I love to refer clients to him. Not only did we grow up together but have become advocates of each others business to partner in success.

Phil was an absolute delight to work with. He helped us buy our first house in April 2015, and we owe him a big thanks for that. Few highlights: 1. He was always available to meet us face to face in his office, and also answered the phone and emails promptly. 2. He was very patient in explaining all the options that were available for securing the loan. Since we were first time buyers, there was a lot to learn. 3. The pre-approval process was a breeze - we gave him all the documents and he gave us the pre-approval in a few hours. 4. We only had a 10% downpayment for the house. Phil helped to secure the 90% loan without a PMI (our excellent credit rating probably helped), which was a big plus. Saved us a few hundred dollars per month. 5. His rates were very competitive without having to resort to aggressive negotiation. When I approached Phil, I had also approached 2 other lenders, and found that they would offer something equivalent to Phil's only after I disclosed to them that I had a better offer in hand. 6. Once we made an offer on our home, Phil and his team got on top of the situation and raced through all the necessary work to secure our loans and close the deal. Due to heavy work load (month end), there was a two day delay in closing the loans... but since Phil had been aggressive with the loan processing in the beginning, the closing was still well within the timeframe that we had put on the house offer. 7. After all the interactions with him, we are left with the impression that he was very dependable, eager to help and very honest. These qualities made it a pleasure to interact with him. We are really happy that we brought our first house with Phil's help.

I have know Phil and worked with him for over 10 years and have always trusted him to get me the best rates and service! Despite all the new regulations and details that go along with getting a loan today, Phil was AWESOME. I would highly recommend him to anyone and will continue to use him as my \"go to\" for any of my financing needs!