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 featuring Susan McHan, our CEO.

Opes Advantage

You are frequently confronted with financial decisions. Can I afford the mortgage on a second home? Can I afford to quit my job and leave my unvested options so I can start a new business venture? Can I buy my building? Can I take time off when I have a baby? Can I pay for my children’s private education? Does it make sense to get a mortgage after paying cash for a home?


Many times when people ponder these questions, they don’t have the option to consider the complete financial picture, or the future implications these decisions will have. Usually, people and their financial professionals don’t have the resources to uncover and analyze their complete financial life. Financial professionals typically work in different areas and are isolated in their expertise. Opes Advisors brings them all together.


That way, when you come to a critical juncture that calls for making a big financial decision, you can consider the impact the decision will have on your personal balance sheet – a document that puts your entire financial life into one holistic view – and ask these questions:


  • Can I afford this relative to my long-term plans?
  • Does this action help or hinder my long-term financial objectives?
  • Will this decision pull up or push out my target retirement date?


To help you answer these important questions, Opes Advisors recommends you follow a personal balance sheet approach, in which you can run many different scenarios through your current financial situation and understand the impact your decisions will have – especially the impact they will have on your retirement.


With complete information, you can make decisions today that you will be happy about in the future.


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Do you need help making an effective financial decision? Call or text me at (650) 222-0386, or e-mail me.









 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

(650) 222-0386

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Comment balloon 2 commentsPhil Caulfield • December 05 2014 02:00PM


Phil, based on the video, it seems as though your firm may be onto something. Buying a home is a large financial decision that will change people's lives, so it is important for them to understand how it will impact them. 

Posted by Troy Erickson, Your Chandler, Ahwatukee, and East Valley Realtor (Diverse Solutions Realty www.ChandlerRealEstate.weebly.com) over 2 years ago

Hi Troy - thanks for the comment.

We try to find out what really matters to our clients and then use our decision modeling software to help them make effective financial decisions around what is truly important to them.

Posted by Phil Caulfield, San Francisco Bay Area (Guarantee Mortgage) over 2 years ago