At Bayshore Home Loans, Inc., we understand that obtaining a home loan is often the single largest financial transaction a person will make in their lifetime. That's why we're dedicated to providing excellent service and expertise to our clients. With over three decades of experience, our team has built a reputation for being knowledgeable, reliable, and dedicated to our customers.
Our Story
Our story began in 1987, when our founder, Steve Hougard, started Bayshore Home Loans, Inc. Since then, we've grown to become one of the most trusted and respected mortgage lenders in the San Diego area. We've processed over 2,000 loans and have earned a 96% closing ratio. Our success is built on our commitment to customer satisfaction, and we're proud of the trust our clients have placed in us.
Our Services
At Bayshore Home Loans, Inc., we offer a wide range of mortgage products to suit your needs. Whether you're purchasing a new home, refinancing an existing mortgage, or seeking a VA loan, we have the expertise and resources to guide you through the process. Our experts will work closely with you to understand your goals and provide personalized solutions to help you achieve your homeownership dreams.
Mortgage & Loan Services
At Bayshore Home Loans, Inc., we offer a range of mortgage products and services, including:
- Home loans for purchase and refinance
- Pre-approved loans for new home purchases
- VA loans for eligible veterans and their families
- FHA loans for first-time buyers
- Conventional loans for conforming and jumbo mortgages
- Reverse Mortgage Expert for senior homeowners
Our Process
We understand that navigating the mortgage process can be overwhelming. That's why we've simplified the process to make it easy and stress-free. Our experienced team will:
- Communicate accurate loan analysis and underwriting with approvals in 24 hours or less
- Close your loan in 30 days or less
- Communicate your monthly payment and closing costs upfront
- Guarantee your loan closes on schedule or we'll credit you $1,000 towards your closing costs
Why Choose Us
At Bayshore Home Loans, Inc., we strive to exceed your expectations. Here are just a few reasons why we stand out from the competition:
- Local expertise: We're a local company with a deep understanding of the San Diego real estate market.
- Experienced loan team: Our team of experts has years of experience and will work closely with you to find the best loan option for your needs.
- Simple application process: We'll guide you through the process with transparency and clarity, making it easy for you to find the right loan.
- Personalized service: We're committed to providing personalized service to each of our clients, ensuring you receive the best possible outcome.
Exceptional Customer Service
The reviews for Hougard Loans and Bayshore Home Loans are overwhelmingly positive, with all authors giving the highest rating of 5 stars. It is clear that Steve Hougard and his team have provided exceptional customer service, consistently going above and beyond to ensure a seamless and pleasant experience for their clients.
From the moment clients contact the team, they are met with open communication, timely updates, and responsiveness to their questions and concerns. The team's ability to walk clients through each step of the process, explain complex documents, and alleviate stress is truly impressive. It is clear that Steve and his team prioritize building strong relationships with their clients, tailoring their approach to meet each individual's unique needs.
Communication and Organization
The reviews highlight the team's exceptional communication skills, with many authors commenting on the ease of contact and the frequency of updates from the team. Clients praise the team's ability to clearly explain complex financial concepts and keep them informed throughout the process.
Additionally, the team's organization and attention to detail are consistently praised, with many authors expressing gratitude for the team's ability to keep track of even the most minor details. The team's ability to meet deadlines and keep clients on track is also highlighted.
Personal Touch
Many authors praise Steve and his team for their approachability, friendliness, and willingness to go above and beyond to ensure client satisfaction. The team's ability to provide a personal touch, often described as warm and reassuring, is a significant factor in their success.
No Issues or Complaints
Unfortunately, there are no negative comments or complaints from any of the authors, indicating that the team has consistently provided exceptional service to all clients.
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