Hougard Loans, Bayshore Home Loans in Encinitas, CA

There are not enough stars in the sky to rate the service that Steve and his team provide. They consistently out perform expectations with their knowledge, professionalism, and level of care. The personal video follow-up that Steve shares throughout the purchase process makes every buyer and agent feel like an informed part of a family. I will continue to proudly refer my buyers to Hougard Loans.

Steve and his team at Hougard Loans, Bayshore Home Loans are beyond the best in the business. As first time homebuyers Steve and his team walked us through every step, sometimes multiple times until we felt educated, comfortable and knew every detail of the lending process. Steve was honest and direct with every step of the process. There were no surprises. We are happily homeowners thanks to Steve and the Hougard Loans team. A big part of the process was working with our loan processor, Diane, who was organized, very knowledgeable and prepared to get the job done as quickly and thoroughly as possible. The whole team treated my husband and I like we were family and we will definitely be recommending them to everyone we know. If you want the best, most experienced lending team that actually cares and wants to know you and your needs then Steve and Hougard Loans, Bayshore Home Loans is your team. Side note: we don't even live in San Diego where Hougard Loans is headquartered but probably had more face time with them (thanks to their use of modern technology!) than we would had we gone with a local lender. Do yourself a favor and choose Hougard Loans for your lending needs; you won't regret it!

My wife and I have worked with Steve and his team more than once over the past several years. He was recommended by a friend and we are glad we called him. Steve is professional, knowledgeable, and yet extremely affable and personable. Both Steve and his team are highly attune to the timing of the process and they keep you informed every step of the way. He understands the value of educating and communicating with his clients. Even after your business is complete, he checks in with you on a regular basis to make sure you are happy with the way things went and keeps you informed, as to changes in the the financial world. I wouldn't hesitate to contact him for any future needs.

We cannot express how, in working with Hougard Loans, you have helped us so much in this entire process. Everything that transpired from before was not an issue with you, but with us. Thank you for being so kind and patient with us throughout. This 2nd go around has gone beyond smoothly, quickly and efficiently. The blessing given to us as a result of the success has been tremendous. Our appreciation is beyond measure. Thank you is so simple, but truly all encompassing. Steve, Diane and the rest of the team are beyond capable of handling any situation. They were able to work with us on coming up with a solution that helped us in so many ways.

Steve and his team are simply amazing. My husband and I have been working with Steve for ten years and every home purchase and refinance has gone smoothly and the loans he gets us are fantastic. He's saved us so much money over the years with his knowledge of the industry and we've been able to put that extra savings into our kids' college savings. He was recommended to us by my mom who started using Steve over two decades ago and we're so glad we've built this relationship with him over the years. He's always there for you when you need him and both he and his team work tirelessly to make sure all of your questions are answered and make a typically painful process actually enjoyable with their upbeat attitudes and speedy response to matters. We look forward to using him on our next property purchase or refinance!