I practice the "golden rule" and provide clients with great rates and a combination of services not found elsewhere in the mortgage industry. If you enjoy proactive communication, 24/7 availability, and the complete disclosure of financial terms provided in a professional and ethical setting, then I'm confident you'll enjoy working with me at Bay Shore Mortgage.
Services
Owning your own home provides several benefits.
In addition to the satisfaction of being a homeowner, you can build equity, enjoy tax deductions*, say "good bye" to your landlord and take control of your living environment.
Whether you are a first-time home buyer, renter, or are purchasing a new or second home, we have an assortment of tools and loan programs to meet your individual financing needs.
Use our easy-to-navigate site, or contact us by phone today.
You can assure sellers of your viability and negotiate more effectively when you're pre-approved.
In addition to the satisfaction of being a homeowner, you can build equity, enjoy tax deductions*, say "good bye" to your landlord and take control of your living environment.
Whether you are a first-time home buyer, renter, or are purchasing a new or second home, we have an assortment of tools and loan programs to meet your individual financing needs.
Use our easy-to-navigate site, or contact us by phone today.
You can assure sellers of your viability and negotiate more effectively when you're pre-approved.
You will deal with an experienced professional not an inexperienced clerk, teller or call center operator.
John has numerous testimonials that attest to the quality experience enjoyed by his clients.
John has over twenty-five years in lending in San Diego covering virtually all lending scenarios, property types and borrower profiles.
John has an education rivaled by few in the industry - a B.S. in Finance and an M.B.A in finance and marketing.
Our communication is consistent and proactive and we are always available to answer questions or provide updates.
John has numerous testimonials that attest to the quality experience enjoyed by his clients.
John has over twenty-five years in lending in San Diego covering virtually all lending scenarios, property types and borrower profiles.
John has an education rivaled by few in the industry - a B.S. in Finance and an M.B.A in finance and marketing.
Our communication is consistent and proactive and we are always available to answer questions or provide updates.
Referrals are the lifeblood of our business at Bay Shore Mortgage.
By providing first class service to our clients combined with exceptional interest rates, we differentiate ourselves from the big banks where you "take a number".
Returning to John to assist with my refinance was an easy decision.
I've always found John to be very available and willing to talk through the financial analysis.
In fact, when I first contacted John for my refinance, I received a return call within a day despite the fact that he was en route to Colorado for vacation!
By providing first class service to our clients combined with exceptional interest rates, we differentiate ourselves from the big banks where you "take a number".
Returning to John to assist with my refinance was an easy decision.
I've always found John to be very available and willing to talk through the financial analysis.
In fact, when I first contacted John for my refinance, I received a return call within a day despite the fact that he was en route to Colorado for vacation!
Find out if you can save money by refinancing your existing loan at current interest rate levels.
While a lower interest rate will mean lower monthly payments and less total interest, a refinance will also mean paying closing costs and, in some cases, points.
If the monthly savings exceeds these closing costs, refinancing is a good option.
Which is better for you: renting or buying?
Everyone is different.
Use my Rent vs. Buy Calculator to help you to compare the estimated costs of owning a home to the estimated costs of renting.
While a lower interest rate will mean lower monthly payments and less total interest, a refinance will also mean paying closing costs and, in some cases, points.
If the monthly savings exceeds these closing costs, refinancing is a good option.
Which is better for you: renting or buying?
Everyone is different.
Use my Rent vs. Buy Calculator to help you to compare the estimated costs of owning a home to the estimated costs of renting.
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