Hougard Loans, Bayshore Home Loans

"My experience with Hougard Loans was beyond 5 stars! It was a great experience from the first inquiry call to the signing of the loan docs. Steve and his team are outstanding communicators, I always knew what the next steps were, never any surprises, and all questions were answered clearly and quickly. I will definitely be using Steve and his team for any future mortgage needs - I highly recommend!"

"We've done business with Steve and the team at Hougard Loans multiple times and I wouldn't go anywhere else. Especially in this time of higher interest rates it really helped to explore options to make sure we were doing the best thing for our family. Steve is happy to do that and with unmatched patience. And the team! They're so on top of it but with zero pressure which we really appreciated. Our deal had time constraints which were no problem for Steve and his team. Thanks so much!"

"Its quite intimidating as is, to go through a lengthy mortgage process. Steve's guidance & informative updates from start to close was nothing short of distinctive and reassuring. He still checks in with us and there's no words for that level of care. The whole team was very responsive to the infinite list of questions we had and this kept us at ease. Steve and his team is who you pick if you want that peace of mind and sense of security. Highly recommend!"

"I would highly recommend Steve and his team! My husband and I began our home search in 2020 and met with Steve to understand the process and our qualification amount. As first time home buyers we had many questions that Steve expertly helped to answer. Steve also connected us with JR Phillips to represent us as our agent and after meeting with JR, we could tell how well trusted Steve and his team are. Steve kept in touch with us for three years until we felt ready to start making offers. He even connected us with someone to help provide a consultation to boost our credit scores to ensure we would get the best rate possible. Fast forward to 2023, we were finally ready to make offers and after Steve helping us with making a few offers, one was accepted! Whether it was Steve including a video walking us through each line item in our TCA, jumping on a quick call to answer questions, or follow up in a text message, his communication and transparency is unrivaled. Steve helped to closely partner with our realtor to ensure a seamless experience, which was greatly appreciated. Steve is very genuine with wanting an excellent experience for his customers, and I couldn't recommend his services enough! Thank you Steve & team for all of your hard work in getting my husband and I into our first home! We couldn't have done it without you!"

"Steve & his entire team @ Hougard Loans were amazing in getting us maximum financing to finish our dream home in Encinitas. Steve himself kept in contact often and cheered us up alleviating what would have otherwise been a stressful journey. He got us a great deal and his team were timely and accurate in making even the most puzzling paperwork seem simple. They are very knowledgeable, calming, professional, yet personable and fast; they are indeed the best at what they do. If you need financing without the stress, give Steve a call."