Our Unique Approach To Mortgage Lending

Here at Opes Advisors, we have a unique approach to mortgage lending. To learn about our unique approach, click on the picture to watch a short video.

Opes Advantage

We are dedicated to helping our clients make effective financial decisions!

Do you need help structuring a loan, or getting a rate quote? Call or text me at (650) 222-0386, or e-mail me.

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 Opes Advisors is licensed by the CA Department of Business Oversight 4150089, CA Bureau of Real Estate 01458652, Oregon ML -4902, Washington CL-1178435 and NMLS 235584. Equal Opportunity Lender. Opes Advisors is a registered investment advisor with the Securities and Exchange Commission (SEC). ©2014 Opes Advisors, Inc. All rights reserved.              

Phil Caulfield
411 Borel Avenue #320
San Mateo
CA
94010

(650) 222-0386

2 commentsPhil Caulfield • December 05 2014 02:00PM
Our Unique Approach To Mortgage Lending
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Here at Opes Advisors, we have a unique approach to mortgage lending. To learn about our unique approach, click on the picture to watch a short video. We are dedicated to helping our clients make effective financial decisions! more
Can You Help Me Figure Out How to Market Our Approach To Lending?
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I started with Opes Advisors as a Branch Manager and originator in San Mateo, CA in February of this year. I have been an originator since 1985. I probably would have pursued management earlier, however, my wife and I have seven kids! I had enough… more
4 Ways You Ain't Looking So Pretty As You Might Think For Your Lender
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Applying for a mortgage is like going out on a date - you want to look your best! You may think you look your best with the documentation you have provided. The lender, however, may pick up on some "blemishes" that you have that you may not be… more
"You Have Been Countered, And You Have Two Hours To Make A Decision! "
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"You have been countered, and you have two hours to make a decision" Rich the real estate agent told his clients Fred and Felicia Firsttimers. Fred and Felicia were in the market to buy their first home. They searched the internet, went to open… more
The ABC's of DTI's (Debt-to-Income Ratios)
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Gene Mundt does a great job here explaining the mechanics of the debt-to-income (DTI) ratio calculation. This number has become more important than it has been in the past because the lenders are very concerned with your ability to repay. Gone are… more
Your Credit Score and Your Mortgage Application
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Connecticut mortgage lender Rick Cignoli has written an excellent article about the credit score. Many consumers are unaware of the factors that affect their FICO score. Rick explains the different factors and approximately how much rach factor.. more
New Housing Proposed For Downtown Burlingame
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Today the San Mateo Daily Journal published an article regarding new housing in Downtown Burlingame When I saw the headline, two issues came to mind immediately parking and traffic (if you have spent any time in Burlingame, you know about our… more
Do You Ever Wonder… What Can I Really Afford When It Comes To A…
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Mark Taylor, a mortgage lender in Scottsdale, Arizona addresses an important topic (maybe this is the most important for a consumer1) - how much can a home buyer or homeowner truly afford? Here at Opes Advisors we have a proprietary tool… more
A Very Large Percentage Of Veterans Do Not Have A VA Mortgage
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George Souto, a Connecticut mortgage lender makes a great point here in the blog post he has written. Why do so few veterans have VA loans? Here in the San Francisco Bay Area, the maximum loan amount in some areas is as high as $1, 050, 000!… more
Can I Get A Mortgage To Buy A Home Before Selling My Current Home?
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When I am asked "Can you help me get a mortgage loan to buy a home before selling my current home? ", my answer is "Yes, there is a program for that! " The program incorporates what is called cross-collateralization Cross-collateralization in… more