Page 1 of 1

VA Home Loans

Need a copy?

Download PDF

Recent Reviews

French Camp, CA
"Phil is always available to answer questions and follow up. He would check in on me to make sure I didn't have any questions or if the interest rate on my pre qual changed he would let me know as it took a little time for me to find my house. He is very easy to work with and wants the best for his clients! Thanks Phil"
– Catherine R.


Review Verified
San Francisco, CA
"Every thing are good"
– Alan H.


Review Verified
San Jose, CA
"Phil was very easy to talk to, answering all my novice questions. He was also prompt on returning messages and available at seemingly all times."
– Mark K.


Review Verified
San Bruno, CA
"Phil Caulfield"
– Dennis O.


Review Verified
Redwood City, CA
"Excellent communication and a very rapid closing process."
– Gabriel F.


Review Verified
San Mateo, CA
"Phil was amazing to work with throughout the process. He had great communication/responsiveness, always very informative on the status, and so helpful! He made the process so easy even on a very tight timeline."
– Lauren J.


Review Verified
Pescadero, CA
"Phil provided good communication, great follow up when I hadn't provided documents he needed. The process was much smoother and easier than I expected. Just recommended him to some friends..."
– Frank V.


Review Verified
Modesto, CA
"Awesome, would strongly recommend."
– Todd T.


Review Verified
San Mateo, CA
"Been working with Phil for about 25 years. You will not find a better person or loan. He’s fast, reliable, and trustworthy. Simply the best. Thanks Phil."
– Michael V.


Review Verified
San Mateo, CA
"Philips overall experience and friendly service made it a great experience!"
– John V.


Review Verified
Pleasanton, CA
"Online forms and e-Signing made it simple"
– Kenny S.


Review Verified
Antelope, CA
"Simple, easy"
– Tertia H.


Review Verified
Napa, CA
"Phil has always given me great support."
– Sharron S.


Review Verified
El Granada, CA
"Phil is a pleasure to work with."
– Shiaosan W.


Review Verified
Pacifica, CA
"As first time homebuyers, Phil was so helpful and patient with us. He was always available to answer questions and was in constant communication throughout the process. We are very grateful to have had him! Thank you, Phil!!!"
– Jacqueline W.


Review Verified
El Dorado Hills, CA
"Phil was a guy that can just get things done. Early on, we had hit a snag with the loan. Phil was quickly able to call me and present me the various options available for us. Quitting was never an answer. We were able to choose the option that worked best and Phil was able to see it all the way through to close."
– Nick M.


Review Verified

National Rate Averages

Conf. 30Y Fixed


FHA 30Y Fixed


Jumbo 30Y Fixed


Rate averages are calculated from actual locked rates. Learn more.

Additonal Resources

VA Loan Information

Published 2 months ago

Self – Employed Can Qualify With Bank Statements Instead Of Tax Returns

Published 4 months ago

My Preapproval On Steroids!

Published 9 months ago

Cross Collateral Loans Using Two Properties To Qualify

Published 11 months ago

Documents Needed For A Mortgage

Published 1 year ago

Prequalification Vs Preapproval – What’s The Difference?

Published 1 year ago

Prosperity Home Mortgage, LLC

Company NMLS# 75164

200 Park Road
Burlingame, AL 94010
  • Equal Housing Opportunity Logo

Prosperity Home Mortgage, LLC provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

All first mortgage products are provided by Prosperity Home Mortgage, LLC. (877) 275-1762. Prosperity Home Mortgage, LLC products may not be available in all areas. Not all borrowers will qualify. Licensed by the Delaware State Bank Commissioner. Massachusetts Mortgage Lender License ML75164. Licensed by the NJ Department of Banking and Insurance. Also licensed in AL, AR, AZ, CA, CO, CT, DC, FL, GA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NE, NC, ND, NH, NM, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV and WY.

This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at
© 2021 Prosperity Home Mortgage, LLC.

© 2022 Lender Launchpad. This is not a Government website. Lender Launchpad and its products are not endorsed by the Department of Veterans Affairs or the US Department of Housing and Urban Development. The content on this site is for educational purposes only and is not an advertisement for a product or an offer to lend. If you have questions about the loan officers featured within our lender directory, please visit the Nationwide Mortgage Licensing System & Directory for more information and to check their licensing status at