Our New Loan Program!

We are offering this loan program for properties in California - contact me for details!

100% Financing with No Money down in California

Would you like to talk to Phil - schedule a phone call here 

Phil Caulfield NMLS #386911 APMC #1850 has been helping people obtain mortgages since 1985. The views, articles, postings, and information listed at this website are personal and do not necessarily represent the opinion or the position of American Pacific Mortgage Corporation."
 
Comment balloon 2 commentsPhil Caulfield • January 22 2018 12:15AM
Our New Loan Program!
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We are offering this loan program for properties in California - contact me for details! more
The Silicon Valley Market - Interview With An Agent
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The Silicon Valley real estate market has been in a seller's market for a long time. I had the opportunity to interview long time agent Lou Realyvasquez about the current market. Lou has a lot of wisdom about what is going on here - I hope you enjoy… more
How To Get A Lower Mortgage Rate
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So, you want to get a lower mortgage rate Don't we all! By reading this article you will understand what goes into a mortgage rate quote, and some actions you can take in order to get that lower mortgage rate! There are many parameters of a… more
Can You Buy A Home Before Selling? Start With This Calculator
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You own a home. You want to buy another home before selling, but you don't have enough money to make a down payment on the type of home you want. Your down payment is trapped in your home! What can you do? I am here to help! The first thing you… more
You're Selling Your Home - How Do You Spend The Money?
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You have decided to sell your home. How are you going to decide what to do with your money, and/or spend the money? I am going to help you decide! You may have had to consider where to move, what furnishings to keep, what furnishings to… 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… more
"You Have Been Countered, And You Have Two Hours To Make A…
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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,… 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… more