

Phil Caulfield
Loan Consultant


Santa Clara University
New American Funding is a leading mortgage lender and servicer dedicated to providing exceptional home loan solutions to individuals and families across the United States. With a strong commitment to customer service, innovation, and integr... Show More
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Reviews from Web
Phil Caulfield made the loan process so easy. He is very professional yet extremely personable and easy to work with. He was always easy to reach by phone and answered any and all questions that myself and my clients had
Reply from Owner
January 9th, 2026 09:08 AM
Thanks Cara. Helping people buy a home before selling their current home is my specialty!
Phil was so easy to get a hold of, always returned calls and Answered all of our questions during the transaction He really cares about his clients and I appreciate his efficiency this was the first time that I have worked with phil and his...
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Reply from Phil Caulfield
August 26th, 2025 03:50 PM
Thanks Cara, you were a great real estate agent to work with!
Phil was my mortgage banker for my first home purchase. He was able to get me the best rates with fast loan approval. This allowed me to place an offer in a very short window of time. Phil was very responsive, transparent and answered all of...
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Reply from Owner
January 9th, 2026 09:04 AM
Thanks Sean!
Phil was my mortgage banker for my first home purchase. He was able to get me the best rates with fast loan approval. This allowed me to place an offer in a very short window of time. Phil was very responsive, transparent and answered all of...
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Reply from Phil Caulfield
June 24th, 2025 03:29 PM
I'm thrilled to hear that your first home purchase went smoothly and that you were satisfied with the rates and loan approval process. It was a pleasure working with you, and I'm glad I could answer your questions and assist you promptly. Thank...
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We recently had the pleasure of working with Phil Caulfield during our journey as first-time home buyers, and we could not be more satisfied with the experience. From the very beginning, Phil was incredibly patient and knowledgeable, taking...
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Reply from Owner
January 9th, 2026 09:04 AM
Thanks Rody! You and Nicole were a pleasure to work with!
We recently had the pleasure of working with Phil Caulfield during our journey as first-time home buyers, and we could not be more satisfied with the experience. From the very beginning, Phil was incredibly patient and knowledgeable, taking...
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Reply from Phil Caulfield
June 24th, 2025 03:30 PM
I'm delighted to hear that your experience as first-time home buyers was so positive. It was a pleasure assisting you, and I appreciate your kind words about my dedication and expertise. I'm glad I could make the process easier for you. Thank...
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Phil helped me obtain a mortgage and was incredibly helpful throughout the entire process. Everything went smoothly from start to finish and he always kept me updated. I knew he had my best interest in mind and he is very knowledgeable. If...
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Reply from Owner
January 9th, 2026 09:04 AM
Thanks Matt!
Phil helped me obtain a mortgage and was incredibly helpful throughout the entire process. Everything went smoothly from start to finish and he always kept me updated. I knew he had my best interest in mind and he is very knowledgeable. If...
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Reply from Phil Caulfield
June 24th, 2025 03:30 PM
I'm thrilled to hear that your mortgage process went smoothly and that you felt well-supported. It was a pleasure assisting you, and I greatly appreciate your recommendation. Thank you for choosing New American Funding.
I would recommend Phil if you are looking for a lender and don’t know where to start or who to go with. My home buying process felt like a breeze and it’s all thanks to Phil!When my husband and I were deciding between lenders, we wanted to...
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Reply from Phil Caulfield
May 19th, 2026 08:49 PM
Mandy, I'm glad to hear that your home buying process felt smooth and that I could meet your expectations. It's great to know that my responsiveness and money-saving tips were helpful to you and your husband. I appreciate your kind recommendation...
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I would recommend Phil if you are looking for a lender and don’t know where to start or who to go with. My home buying process felt like a breeze and it’s all thanks to Phil!When my husband and I were deciding between lenders, we wanted to...
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Reply from Owner
January 9th, 2026 09:04 AM
Thanks Mandy - you were a pleasure to work with!
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About
New American Funding is a leading mortgage lender and servicer dedicated to providing exceptional home loan solutions to individuals and families across the United States. With a strong commitment to customer service, innovation, and integrity, we strive to make the dream of homeownership a reality for all. As a direct lender, New American Funding has the flexibility to offer a wide range of loan programs, including Conventional, FHA, VA, USDA, and Jumbo loans. We utilize cutting-edge technology and industry-leading tools to streamline the application and approval process, making it faster, more efficient, and transparent for our customers. Our mission is to help our customers achieve their dreams.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Specialities
Jumbo Loans
Construction Loans
FHA Loans
VA Loans
Interest Only Loans
Renovation Loans
Low down payment mortgage
Bridge Loan
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Education
- Santa Clara UniversityBusinessBachelor of Science (BS)

Memberships
- San Mateo County Association of Realtors Affiliate
- Prime Time Athletic Club
- Burlingame Youth Baseball Association
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Addresses and Serving Areas
Primary Serving Area
Year Started
1985
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS #386911
Achievements
- I have seven kids!
Hobbies
- Basketball
- Reading
- Snake Charming
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Disclaimer
NMLS Consumer Access © 2026 New American Funding, LLC. All Rights Reserved.
NMLS ID#6606.
Corporate Office: 1 MacArthur Place, Suite 800, Santa Ana, CA 92707. 800.450.2010
Licensing
NMLS ID#6606.
Corporate Office: 1 MacArthur Place, Suite 800, Santa Ana, CA 92707. 800.450.2010
Licensing