Can You Help Me Figure Out How to Market Our Approach To Lending?

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 on my plate managing our family!

I was attracted to Opes Advisors because they had a unique approach to lending. Most lenders really do not have something that differentiates them. "We have great rates and we can close fast" is what most tout.

Our Approach

We take a holistic approach to lending. We believe that the mortgage must be looked at in the context of the customer's entire lifestyle and financial picture.

Many lenders give lip service to this approach (I have worked at some of them!). We model out how the purchase or refinance decision will impact other areas of the customer's life with our proprietary software tool, Opes Advantage.

Opes Advantage

What Opes Advantage Does

Opes Advantage provides a report for the customers that models out their finances given some circumstances and assumptions. For example, it can take into account the wish of a new mother to stop working two years from now, and deliver a report how this loss of income may affect their family finances. 

The Benefits of Opes Advantage

Opes Advantage provides clarity and confidence for our clients. Clarity in how the mortgage decision (program, loan amount, down payment, etc.) affects other areas of their lives.

It provides confidence by modeling how this decision will affect their lifestyle.

A Typical Scenario in which Opes Advantage Provides Great Value

Homebuyers call their agent and say that they have seen a new listing on the internet for $700,000. The agent tells them that they are going to have to bid at least $800,000 to even have a shot of getting it.

The Homebuyers bid $800,000. They get counter-offered at $900,000 and are told by their agent that the sellers want a decision in two hours!

How do you think the homebuyers are feeling right now? Scared to death, right?

They are scared because they have to make a fast decision that can have a huge impact on the rest of their life.

Had they gone through the process of planning with Opes Advantage, they could have made a decision on the spot with clarity and confidence!

My Problem

This approach to lending is unique. I want to target real estate agents, tax professionals, and estate planning attorneys as the groups I want to introduce this different approach to lending to.

What type of marketing do you think would attract these types of professionals?

Do you need help with or a question about a mortgage? Call or text me at (650) 222-0386, or e-mail me.


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 Guarantee Mortgage is a division of American Pacific Mortgage Corp. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, and the California Bureau of Real Estate. American Pacific Mortgage Corporation NMLS #1850, CAL-BRE #01215943. Single Family, Multi-Family and Commercial Loans. Equal Housing Opportunity. Equal Housing Lender.

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Phil Caulfield
851 Burlway
Burlingame, CA 94010

(650) 222-0386

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Comment balloon 2 commentsPhil Caulfield • August 13 2014 05:19PM


Phil, a nice read today, sharing an insight that all of us can appriciate.

Posted by Winston Heverly, GRI, ABR, SFR, CDPE, CIAS, PA (Winston Realty, Inc.) over 3 years ago

Thanks Winston Heverly!

Posted by Phil Caulfield, San Francisco Bay Area (Guarantee Mortgage) over 3 years ago