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May 2023 by Hiren Hiranandani
We recently worked with Phil who is an outstanding loan officer. He helped my wife and I secure our dream home in the ideal neighborhood for us. All of this amidst a challenging market in early 2023. Phil made our home-buying experience truly positive.He was professional, efficient, and transparent throughout the process. He was very responsive and promptly addressed our concerns and questions - making himself available after hours and with a moment's notice. Phil helped us time our rate lock and had really solid market knowledge to give us confidence.His willingness to reprice our loan several times enabled us to explore different scenarios and different discount options. Remarkably, he even repriced the loan just two days before closing to ensure the best possible outcome for us - helping us side-step a mistake on our end and get an extra 1/4 percent rate reduction.
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January 2023 by Rick Heron
Phil and the team at Bank of the West are the absolute best to work with. They got us a great mortgage rate, provided excellent customer service throughout the transaction and really made the whole process very very simple. Based on this experience, we will be a loyal customer for any of our banking needs.
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September 2022 by Cathy Arcos Storage
Thank you Phil! Phil was very easy to work with. He is easy to get a hold off and communicates quickly. They have an online portal for the application process. You are able to upload your documents and eSign everything very easily. This was a great experience and I highly recommend Phil!
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September 2021 by Marcy Holeton
I recently worked with Phil Caulfield to refinance my home. This is the second time I worked with Phil on a refi and I would highly recommend him. The refi process can be demanding and highly detailed oriented, but Phil made the process so much easier. His attention to detail, expert guidance, responsiveness and collaboration made him an ideal partner to tackle this. In the two years between the separate refi's, Phil would periodically touch base to let me know about changing interest rates and home values. I appreciate that level of customer service. I'm so glad I took advantage of the lower interest rate while it was still available and I'm very glad I worked with Phil again. He's the best.
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September 2021 by Jacqueline Warner
My partner and I are young, first time homebuyers and we are so glad to have had Phil's help through this process! Phil was incredibly easy to work with and did not once hesitate to answer our *many* questions, no matter how small or silly. He made us feel comfortable and informed every step of the way, all while being extremely timely, thorough, and professional. Thank you Phil! We could not have done this without you!
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September 2021 by Darrel Horsted
I cannot recommend too highly Phil Caulfield’s services as a loan broker. I have obtained other loans in past 35+ years for both residential and commercial properties, including apartment buildings, and I have always dreaded the process, in part, because of the complicated demands and procedures of the underwriters. Phil made this process much easier and less stressful due to his knowledge, experience, and expertise, as well as his prompt and consistent attention to the lender’s demands and my compliance with its requirements. In addition, Phil promptly returns telephone calls, and investigates and researches matters when complicated or unusual issues arise during the loan application period. So, I am very grateful to Phil for his assistance, and also to the person who referred Phil to me for my real property loan.
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September 2020 by Robin Dewar O'Leary
Enjoyed working with Phil very easy and most helpful. Also a fun sense of humor. Highly recommend him!
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September 2020 by Leanne Uhrich
Phil helped us consolidate our debt and refinance our mortgage saving us a lot of money. He helped make the process easy seamless Phil was professional and worked hard to get the right loan that worked for our family.
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September 2020 by Steve d.
I refinanced during COVID-19. Phil was phenomenal in proactively taking advantage of changing (falling) rates to my benefit and making the whole process smooth and as pain-free as possible. Net, net, I'm happy to recommend Phil.
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September 2020 by Angie L.
September 2019 update:Having been in my house for quite a few years, my 60 plus year old ranch style home was in a desperate need of a full kitchen gut and bathroom updates. With construction costs rising, I turned to Phil fCaulfield for the best mortgage option when I decided to refinance to fund my construction project. Phil kept the process on track and very quickly, with all the paperwork in place, the loan was funded. Securing the new mortgage was the easy part and I can't wait get to started on the new kitchen!I've known Phil for a few years, and he has always been so knowledgeable about the mortgage industry. When refinancing my home in Willow Glen this year, Phil navigated the entire process, from start to finish with such professionalism and of course, with an attentive eye for the smallest detail. He really made the re-fi seem seamless and super-easy. I appreciate the fact, that Phil is always reachable either by phone or email and he he was willing to go the "extra-mile" for me. Home buying, refinancing and overall financial planning can be so daunting, it's good to know that you have a reputable guy on your side, like Phil Caulfield. I highly recommend!
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September 2019 by Marilyn Stockdale Green
Phil Caulfield did an outstanding job of getting me a loan to refinance my mortgage under challenging circumstances. He kept me in the loop every step of the way and was very responsive when I had questions. I have no hesitation about highly recommending Phil whether you are looking for a new mortgage or refinancing.
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September 2019 by Oscar Lopez-Guerra
Phil Caufield is a professional Loan Officer who helped me obtain a mortgage, assisting me navigatethe many hundreds of documents dictated by government laws and regulations. His cool demeanor and knowledge made this transaction much easier. I highly recommend his services with no reservations.
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September 2019 by christina mcclory
Phil helped us every step of the way with achieving our property loan. We plan to go back to Phil for our next loan as well. He’s very easy to work with, communicative and responsive to name a few qualities. Great balance of friendly and professional.. a pleasure to do business with!
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September 2019 by Neil Smith
Phil Caufield is a professional in his field of mortgage brokerage. I have always 3 requirements of people who I chose to do business with. 1 is communicating with me on a timely and truthful basis. I don’t need surprises or last minute requests for documents or explanations regarding my mortgage application or financial requirements to make me loan eligible. Phil is great at anticipating requested or required documentation earlier than later so we were prepared for any funding questions of the lender. Number 2 in my list of requirements is Integrity and Phil has always shown to me that it is part of his DNA. I always feel like he is looking out for his client (Me) and getting financing that benefits me first rather than what might benefit him first. Number 3 is demeanor of the person I am dealing with. Phil is always calm and reassuring and knowledgeable about the process of obtaining a loan and that goes along way for a client who is often under short time constraints to close a loan. I certainly thought of Phil as a partner to me whose primary goal was to do right by me and obtain the funding I needed to reach my financial goal. He delivered in a professional and timely manner. Neil Smith
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September 2018 by Kim Ferrario
Phil was fantastic! We were turned down by another lender, but Phil was able to find a loan that we qualified for, and that fit the criteria we were looking for. He and his staff were responsive, helpful, patient with my questions, and very conscientious.
