Obtaining a home loan is often the single largest financial transaction a person will make in their lifetime. Since day one, our vision for our mortgage business has been based on building solid relationships with our clients. Today, our story is no different. Although the physical aspect of the mortgage process has been changed and improved by technology, over the past 30+ years the mission has remained the same.
We take pride in guiding our customers through the entire lending process. Our reputation has been built on personal attention and professional integrity. Our love for facilitating the American dream of home ownership is central to every decision we make, and every action our team takes.
We take pride in guiding our customers through the entire lending process. Our reputation has been built on personal attention and professional integrity. Our love for facilitating the American dream of home ownership is central to every decision we make, and every action our team takes.
Services
Since that time, I have assembled a strong, reliable, in-house team and we serve the greater San Diego area with a focus on the north county. Communicate an accurate loan analysis and underwriting, with approvals in 24 hours or less. Guarantee your loan closes on or before schedule or we will credit you $1,000 towards your closing costs.
Since 1987, Hougard Loans has helped thousands of homeowners attain the goal of homeownership in California. With an exclusive focus on residential mortgages, we can assure you that our team is equipped to serve you in the best way possible. Once you are ready to proceed our team will begin to process your file.
This was the best home loan/home buying experience we could have ever asked for, from start to finish. Steve and his team were not only knowledgeable and efficient, but they REALLY cared about what was best for us and worked very hard to make that happen. Through every step the communication, processing, and follow up was excellent.
Reviews (10)
Bermudas House
Nov 26, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Steve Hougard is a long life friend and doing business with friends can sometimes be challenging - but with Steve and his great team everyone gives professional attention to all the details and helps in any way possible.
A very pleasurable experience!
Steve Hougard is a long life friend and doing business with friends can sometimes be challenging - but with Steve and his great team everyone gives professional attention to all the details and helps in any way possible.
A very pleasurable experience!
Oliver Fregoso
Oct 17, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Thank you Hougard Loans, this was the smoothest refinance experience we have had. Your great communication with us was the best ever and thank you for explaining everything and answering all our questions in a very timely manner. We will definitely use yours services again.
Thank you Hougard Loans, this was the smoothest refinance experience we have had. Your great communication with us was the best ever and thank you for explaining everything and answering all our questions in a very timely manner. We will definitely use yours services again.
Maria Rousselle
Sep 21, 2021
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I have been truly blessed with Hougard Loans!
Steve Hougard and his AMAZING team have gone above and beyond with their guidance and assistance.
Their knowledge, integrity and incredible support are truly refreshing.
We are soo pleased with the whole process. NOT PAINFUL at all.
Thank you so much from the bottom of our hearts Steve and AMAZING team
Steve Hougard and his AMAZING team have gone above and beyond with their guidance and assistance.
Their knowledge, integrity and incredible support are truly refreshing.
We are soo pleased with the whole process. NOT PAINFUL at all.
Thank you so much from the bottom of our hearts Steve and AMAZING team
Lamia Schwarz
Sep 14, 2021
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This is the 2nd time I refinance with Steve Hougard Loans to lower my interest rate. Steve explained the process in details from beginning to end. Jessica the liason officer helped facilitate the communication with all individuals involved at Bayshore Home Loans. The whole team was efficient, precise and quick, most importantly everyone was warm, friendly and never left my side. Congratulations to all on a job well done. Thank you.
Chris Cincotta
Aug 28, 2021
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Bayshore home loans was highly recommended to us by a friend who had used them before and had a great experience. Steve and his team were a pleasure to work with - quick, friendly, and professional. Steve outperformed our expectations, and was able to knock a full 1.25% off of our rate, saving us a ton of money over the full life of our loan.
Thanks Steve and team,
The Cincotta Family!
Thanks Steve and team,
The Cincotta Family!
Carol Crawford
Aug 18, 2021
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Steve and the entire team are first class. I used Hougard Loans a year or so ago when I refinanced to a lower rate and worked very closely with Diane – she was phenomenal. Diane went above and beyond including tracking down the reconveyance. Now, a couple years later, I just sold my home and closed a purchase transaction. The Hougard team (including Diane) continued to deliver highly personal attention with contemporary digital mortgage solutions that were simple to use and easy to understand. Steve reviewed alternative options with me and helped me understand the implications. Steve and Diane
Emily Moran
Jun 21, 2021
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Steve and team are exceptional to work with! They are incredibly efficient, easy to work with, work fast and offer a very personalized service on top of getting us a great value on our loan. We've worked with many others in the past and this team by far was the best we've worked with. Will be recommending them to any and all friends and family.
Pat Connor
Jun 04, 2021
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We recently used Steve Hougard and his team to refinance our house. Steve is a true professional. He takes the time to ensure that his clients understand the entire process of closing a mortgage and is always willing to explain things until the client is comfortable. Steve and his staff went above and beyond to ensure that all our needs were met and everything was handled thoroughly and efficiently. Steve went out of his way to make sure we got the best loan at the lowest possible rate. I recommend Steve to anyone in the market for a mortgage.
Jacquelyn Woodward
May 03, 2021
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My experience getting a refinance from Hougard Loans was a very positive one.
Every aspect of the process was clearly and efficiently addressed, from gathering documents to arranging for an appraiser.
I was impressed with how well organized and helpful all members of the team were, as they responded to every question or concern. No detail was too small to get their full attention.
Steve and his office manager, Jessica, were extraordinary. I felt that all members of the team were interested in getting me the best possible outcome.
I highly recommend Steve Hougard to anyone seeking to refinance
Every aspect of the process was clearly and efficiently addressed, from gathering documents to arranging for an appraiser.
I was impressed with how well organized and helpful all members of the team were, as they responded to every question or concern. No detail was too small to get their full attention.
Steve and his office manager, Jessica, were extraordinary. I felt that all members of the team were interested in getting me the best possible outcome.
I highly recommend Steve Hougard to anyone seeking to refinance
Grantham Jones
Jan 09, 2021
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My wife and I used Steve and his team to buy our first place. From the jump, Bayshore was on top of everything logistically. They were always quick to give us updates and advice (when needed). We never thought we would be able to buy this soon but, with their help we were given an incredible rate and loan! My favorite part about Bayshore's business is the education component; whenever my wife and I had questions they were always willing to take the time to answer (and explain). 5 Stars of course, but If you want someone that will go to bat for you and guide you along the way...look no further.
