Your Home, Your Money, Your Dream
Passionate about Empowering Homeownership
Founded on the belief that homeownership is a fundamental right, Bay Shore Mortgage stands as a dedicated partner in guiding individuals and families towards achieving their dream of homeownership. Led by experienced mortgage broker John McNulty, our team utilizes extensive industry knowledge and personalized guidance to empower you throughout the entire process.
Our Philosophy
We believe in open communication, transparency, and fostering a genuine connection with each client. Our commitment to ethical practices and financial responsibility ensures that your journey towards homeownership is built on a foundation of trust and understanding.
Loan Programs
Our diverse portfolio of loan programs caters to diverse needs and situations, including:
- Primary Residence
- Second Home
- Investment Properties
- Conventional Loans
- High Balance & Jumbo Loans
- Government Loans (FHA, VA, HARP)
- Fannie Mae & Freddie Mac Conventional & Refinance Options
Tailored Guidance
We understand that every borrower's situation is unique. Our experienced loan professionals take the time to understand your individual goals and circumstances, offering personalized guidance and customized solutions to meet your needs.
Exceptional Client Experience
We take pride in exceeding expectations by providing:
- 24/7 Availability
- Clear & consistent communication
- Competitive rates and fees
- Seamless online application process
- Dedicated support throughout the entire journey
Our Mission
At Bay Shore Mortgage, our mission is to empower individuals and families to navigate the mortgage process with confidence and ease. We are committed to fostering a climate of trust, understanding, and personalized support to guide you towards achieving homeownership and building a brighter financial future.
Overall Experience
The majority of reviewers have had extremely positive experiences with Bay Shore Mortgage and John, praising his expertise, professionalism, and exceptional customer service. He is described as a "great resource, " "amazing broker, " and "pleasure to work with."
Communication and Responsiveness
Many reviewers highlight John's exceptional communication skills, stating that he is always responsive, patient, and explains complex processes in an understandable manner. He is described as providing "top-notch" and "personable" service, making customers feel like they are the only client.
Mortgage Process
John is praised for making the mortgage process smooth and efficient, with reviewers commenting on the speed and professionalism of the process. He is described as providing "incredible attention to detail" and ensuring that customers are well-informed throughout the process.
Competitive Rates
Several reviewers mention John's competitive rates, with one stating that they received a "very good rate" compared to other lenders.
