Hougard Loans, Bayshore Home Loans 2nd St, Encinitas

Steve has walked with us through some pretty tough real estate transactions. He is honest and straightforward, offering his personal experience as a reference point to add perspective. Though real estate transactions can be some of the most emotionally tricky processes, Steve can help anyone to make it through. He also referred us to one of the best (if not the best?) local real estate agents. Thanks to Steve and his team for their help!

Steve and his team are by far my number one lender choice for my clients. As a Realtor, it is very important for me to know that my clients are well taken care of, and that they are truly preapproved and their loan is going to fund. Steve and his team have constant communication with me throughout the entire loan process. I highly recommend Steve Hougard Loans!

Steve and his team were wonderful. I refinanced with them about 3 years ago and they got me a great rate. He consistently kept me up to date with the process and continues to keep me informed via his email videos and and annual reviews. I would highly recommend Hougard Loans.

Steve and his team do a great job! They know and understand real estate and financing and get things done. They are excellent communicators along the entirety of the transaction/process. I recommend Steve and his team highly.

In San Diego, it's hard to turn on the radio or look though the day's mail without being bombarded by ads for impossibly low-sounding home loan and refi rates. That's not, however, where we found Steve Hougard — we found him through a personal referral by a friend who had gone through a recent refi and came away impressed. We were impressed, too, with the refreshingly different approach Steve and his team bring to the home-loan process, with diligence, honesty, a personal touch and great rates as well. And by the way, they remember how to treat people like, well, people. Try getting that from one of those lenders putting all their money into radio marketing instead of customer service. Steve has helped us through numerous refis, and he's always shown a personal interest in making sure everything is done right and all of our questions are answered. Home loans can be a stressful process, and I always know we're in good hands with Steve and his team.

Steve and his team are the consummate professionals. My wife and I have used Steve three times and each experience has been very positive. Most importantly is that Steve is on your side as a resource, using his knowledge to get his clients the best experience possible. I have the utmost trust in his services. Mahalo Steve!!

My client had already set himself up with a lender but Steve stepped in as a back up. Their process made it so easy that my client switched to Hougard. Diane is on top of things. I am sure you will be happy if you choose to use them-even as a cross qualifier-but don't be surprised when they are suddenly your clients' lender.

You can always count on Steve to get it done on time. I have done two home loans and one refinance with Steve and all were flawless efforts by him. I felt my rates were super competitive and would not hesitate to use Steve again.

This is the second time I have used Steve and Bayshore home loans . It has been the easiest and smoothest transaction . From the first time he help me with my loan he has always kept in touch but never pushy . Just like an old friend . This second I time inquired about refinancing he made it clear that I should not hesitate to reach out even over the weekend . His team was great as well and made this all a very easy and attainable goal to refinance . They asked what my main goal was and nailed it down and took it over from there . Thanks for helping me out again, I would recommend you and your team 100 times over again .

I just completed my 3rd re-fi the past several years with Hoggard Loans. Steve will keep you informed when interest rates are more competitive than your rate now, and his team provides an expeditious closing with minimal hassle. Once you engage this team, you won't have to shop elsewhere for your loan needs in the future.