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June 2021 by Chuck Paglialunga
John is a great resource and can help people who need creative solutions. He explained things in an understandable way and answered all of my questions. I highly recommend him to anyone who is considering refinancing or buying.
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May 2020 by Jessica U.
Like many others during this time, we wanted to refinance our mortgage to take advantage of the low interest rates. We went to our original lender and tried to get it done through them, since they appeared to have the best rates. Unfortunately (or fortunately), the closing costs and volume of applicants were rather high so we turned to Bay Shore Mortgage. I was skeptical about it because I didn't research the process or look into mortgage brokers, but I trusted the process and was excited to have everything taken care of by John. We never met face to face but all my questions were answered in a very timely manner and in a way that I understood what my options were. We supplied John with our information and documentation as needed (the real determining factor in how quickly things can get done), and in the next week we found out what our possible new rate was. John helped us get off of our ARM to a 30 Year Fixed with a lower rate than our introductory ARM rate, and that's everything we were looking for! Even better, the closing costs were rolled into the loan so that we didn't have to take out a large sum of money during these difficult times. Obviously, I highly recommend Bay Shore Mortgage.
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May 2019 by Aly T.
John is an amazing broker, however that doesn't begin to describe the quality of service he provides. He went above and beyond getting us qualified to purchase our dream home, answering our five billion questions, normalizing our concerns, and giving us advice on applicable aspects we had not even considered. On top of that John provided encouragement the entire way. While the service he provided was impeccable to say the least, his rates were highly competitive and the speed at which he responded to all parties involved with the required information was incredibly impressive. I highly recommend John and would not hesitate to utilize his services again.
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May 2019 by Suzanne Whitlock
John is creative and innovative--a pleasure to work with. He is always interested and responsive no matter how large or small the loan.
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April 2019 by Dushyanth R.
John and Lyn have now helped me with three mortgage transactions and every one of them was completed successfully and expeditiously. I did attempt to use Chase for one of those transactions and it was not only unsuccessful, but it costed me money and a great deal of time in the end. If you are looking for someone who will always look out for your best interest, provide extremely competitive rates, and educate you in every step of the overwhelming mortgage process...John is your guy! The best part...their communication is amazing so you never feel out of the loop. John spent a great deal of time discussing the pros and cons of every choice we made as it related to our home financing needs and never let us down with his advice. It is rare to find such a genuine and professional expert in any industry. I will continue to work with John for all of my financing needs...knowing that we will always be well taken care of!
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April 2018 by Nick H.
John and Lyn were a joy to work with. John helped educate me on the process along the way and both he and Lyn had incredible attention to detail. It felt like he truly had our best interests at heart and the whole process from start to finish was seem less. I will always use John and his team for future needs and would recommend them to anyone.
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September 2017 by Stephanie L.
I highly recommend Bay Shore Mortgage. I just completed a re-fi with them and John and Lyn were fantastic! They were both very responsive to my information and questions. They kept me up to date about where things were at and what needed to happen next. The entire process was faster than I anticipated and I am very happy with the new loan that I have. Every step was as quick and painless as it could have been and I really appreciated their professionalism and customer service. They are a great team!
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February 2016 by Indian R.
John was recommended by a very close family member. I was surprised to find my experience working with John and his underwriter Lyn to be very painful. His communication style was brash and condescending. I did not get the sense that he had my best interest at heart. If I did not respond immediately to an email he would tell me "that it looked like I had taken a break from the loan process". I found him unorganized and taxing on my personal work time. There was way too much back and forth and as a result this cost me time and money. I also found that they played the pressure game -making up things that were not true in order to put more pressure on me to move faster. For example- they said the agent and owner were putting pressure on them. I called the agent and owner and found this to be a complete untruth. The only saving grace in this entire process was working with Case Escrow. Case Escrow Del Mar is a TRULY professional organization. If working with John be careful- the network of agents to escrow companies to mortgage lenders is very tight in this community. John will put his relationships with these partnerships before you and your best interests.
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January 2016 by Kimberly S.
John helped my sister and I with a difficult property inheritance issue. He was very helpful and succeeded in getting us a mortgage at a very good rate. Besides being very capable and skilled, he was always responsive and patient with our many questions. It was a pleasure working with him and I would recommend him to anyone in need of his services.
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January 2016 by Kelly E.
Fantastic job. This was my second home purchase in 2 years so I have something to compare it to. My 1st home loan was nice and easy, but talk about a cut above. John and Lyn worked efficiently, quickly and professionally with my family to get us in our new home in 26 business days. With the new lending regulations, this is extremely impressive. Even though we would be couch surfing if we didn't close quickly (35 days), I don't think they worked any harder. I believe they are just that good. They know exactly what they're doing. They are honest and knowledgeable. I highly recommend.
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November 2015 by Nicki V.
We were referred to John by our Realtor and while we didn't end up working with him on purchasing our home, I reached out to him when we were wanting to refinance a few years later. John and his team were top notch! He was incredibly knowledgeable on the process, and always answered our calls, emails, questions and concerns promptly. Because you receive such prompt and personable service, you are made to feel like you are his sole client. Closing happened right on time just as promised too. There were no surprises or unexpected glitches, just smooth sailing with John and his crew. We highly recommend his services!!!
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May 2015 by Sally Bescak
This review comes from a buyer from Ohio, who purchased a second home in San Diego in October 2014. I was clueless, concerning the rules and regulations in the state of California, regarding loans and the whole process! I was referred to John McNulty by my realtor, Michael Webb, and was not disappointed! John patiently assisted me, without fail, throughout the entire process. He was informative, in terms that I could understand, always pleasant and professional, and extremely knowledgeable. His communication was always timely, and If I didn't understand something, he would talk with me, until I "got it"! Also, he followed up with emails and/or texts to confirm or keep me updated of every aspect. His helpfulness with every detail, left me feeling a valued client. I would highly recommend him for your mortgage needs. You will not be disappointed!
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January 2013 by Paige H.
John was recommended by our Financial Advisor to handle our second refi and we were very pleased. His explanation of process and timing proved spot-on, he communicated with us often, and we appreciated his advice as to rate lock timing. On two occasions John exhibited extreme patience as he walked me through all the loan application documents. Also of note - his initial assessment of our rate was the lowest of a few companies we looked into dealing with, and he delivered on that rate. In other words, he made a tedious and overwhelming process bearable. If we refi again we will call him first.
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November 2012 by Matt G.
John closed my refi in 3 weeks time! The closing costs were as promised and I highly recommend him.
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May 2011 by Donna San Diego
I have personally used the services of John McNulty of Bay Shore Mortgage on multiple occasions. John McNulty always provides his clients with superior customer service. He is a knowledgeable professional, quite personable and always willing to help his clients. I have recommended him to many of my clients, relatives and friends over the last several years. Everyone has made it a point to contact me to tell me of the outstanding service John McNulty provided.
