Bay Shore Home Loans - Home Mortgage

Bay Shore Home Loans
503 N. Hwy 101, Ste. E
Solana Beach, CA 92075

Toll-Free (800) 982-2680
Local (858) 792-8838

Bay Shore Home Loans
is a full-service mortgage broker licensed by the California Department of Real Estate. We have successfully served home loan customers since 1987 and specialize in purchase, refinance, and construction loans from $25,000 to $1.5 million. We also offer home equity credit lines and fixed second mortgages.

Steve Hougard
The Principal of Bay Shore Home Loans, Inc. Steve Hougard is a graduate of San Diego State University, where he received a Bachelors Degree in Business Administration/Finance. He spent two years in the investment field before moving into mortgage banking in 1987 and has successfully served over 1000 homebuyers and homeowners since then. He specializes in providing fast, creative, and accurate answers to your home financing needs.

Our Mission
Our mission is to provide our customers with complete home loan information, guide them toward their best loan option, and close their loan in a timely and financially efficient manner.
Our Lending Goals We believe the BEST loan for you is one that meets your needs, is reasonably priced, and can be approved and closed in a short period of time.

My Personal Goal
My personal goal is to handle your loan application from start to close. I will keep you informed of the most competitive options available in the marketplace and provide you with all the necessary information to allow you to choose the loan that suits you best. Your home loan will be underwritten and approved early, so you can be assured that any time requirements you may have will be met.

We Value
We value the relationship we've established with you. We will continue to be available after your home loan has closed to answer any questions you may have regarding your loan (paperwork, servicing, etc.).

My Guarantee
You will be 100% satisfied with the loan you choose and the service I provide, or we will refund any loan fees earned by Bay Shore Home Loans on your transaction.