Success Stories

This was the best home loan/home buying experience we could have ever asked for, from start to finish. Steve and his team were not only knowledgeable and efficient, but they REALLY cared about what was best for us and worked very hard to make that happen. Through every step the communication, processing, and follow up was excellent. Buying a home can be so stressful, but Steve and his team made us feel so comfortable and made the process so much easier. We are so thankful that we chose to work with them and would recommend them to anyone!

Erin Hewitt

I have known and worked with Steve throughout my 25 year career as an escrow officer. I recently had the pleasure of closing another transaction with him and his staff. Steve consistently delivers on his promises. The transactions were he is involved as the lender, always close in a timely and efficient manner. It's rare that we have loan approval and loan documents signed and ready to fund two weeks before the actual close of escrow date. I was able to close the escrow with no time restraints and with no extra stress for all parties involved. Having Steve as a part of your real estate team will add the professionalism and expertise you need to successful close your real estate transactions.

Kathryn Evans Certified Escrow Officer

I have worked in Real Estate since 2003 and Steve is our go to guy, so I have had the pleasure of going through the loan process with him while he was serving our clients. When it came time for me to make a purchase I was thrilled to get to work with Steve and his team on a personal level. I had a pretty tight budget and a monthly payment amount that I did not want to exceed. Steve worked the numbers so I knew exactly the price range I needed to stick to. He even found a way to structure my loan so I did not need to sell my other home first. This was instrumental to me getting the condo I wanted. They had multiple offers and I was able to make a great offer non-contingent on the sale of my home. Without Steve's help, I would have missed out on my condo. I moved into the condo in October and I love it! Steve’s team did a fantastic job from beginning to end and beyond - their service is hands on and first rate! Steve and Diane make you feel like you are their only client. They put their heart into their business, and it shows every step of the way. Thank you Steve & Diane!!

Jennifer Lego

Steve Hougard and his team are true professionals. We are a military family and this was our third home-buying experience. Steve made the process absolutely seamless--by far the best experience we've had purchasing a home. Steve's team was easily able to get all the mortgage paperwork finished up and ready for closing more than a week before our final closing date. I looked high and low to find the best mortgage rates/fees possible and Steve's offer could not be beat. Most importantly, Steve and his team truly care about their clients and want to seem them flourish. I would give them more than 5 stars if possible--I can't recommend them highly enough!

Jake Yeager

This is our second time working with Steve Hougard to refinance and secure a home equity loan and we could not be happier with the level of professionalism and integrity that Steve and his team provided. They were great at communicating and explaining the details of the loan and the approval process and were very efficient with the timing of each phase. Both times Steve was able to secure a great rate for us in a short amount of time. We also appreciated the online ability to upload all of our documents along with the use of docusign, which helped move the process along smoothly. The best part of working with Steve and his team is that they genuinely care about your personal and family needs and they do an awesome job building a trusting relationship with you. Diane Roberts did an amazing job spearheading the approval process and helping us understand each phase. We so enjoyed working with her. And we loved Steve's personal video messages! It was such a great way to feel connected throughout the process. We highly recommend Hougard Loans!

Tracey Hornbuckle

Steve is amazing. I would highly recommend him and his team to everyone. He truly made me feel at ease with the entire loan process. Even when I would “freak out,” he remained calm and talked me through so that I understood and was comfortable with the whole process. He makes dreams happen... he made it possible for me to get 4 blocks from the beach! Diane Roberts is awesome too. They held my hand from start to finish with no question unanswered. They are brilliant in what they do. Words cannot express how grateful I am for their knowledge, integrity, and for their constant understanding kindness. Thank you Hougard Loans, you are the best!

Lee Anne Robotta

Steve and his team are top notch! They have helped us buy homes and refinance when the opportunity has been right. Steve is great with relationships and truly cares about his clients not only during a transaction, but he continues his support indefinitely. I will continue to recommend Steve to all my friends and family.

Shelly McTighe-Rippengale

Steve & staff provided excellent support, superior coordination and follow-up with timely communication. The result was a smooth transaction.

Nick & Mary K., Mill Valley

I highly recommend Steve Hougard and his team. Throughout my entire loan process, I always felt that Steve kept my interest as his top priority. This included analyzing the market to lock me into a rate during a dip, constantly communicating with me throughout the loan process, and always being responsive. Thank you Steve and team!

Wesley Loh

Steve and his team have now helped us buy our second home as well as helped us do 2 refi's. Steve and his team are incredible, they walk you through every step of they way. I cant recommend them enough!

Jon Wallace

Steve and his team have always provided us with great service! I have turned to Steve for help with various loans on a number of occasions and have always been very appreciative of his responsiveness and thoroughness. I greatly value him as a professional and even more so as a friend!

Ran Anbar

Steve is always available to answer any questions. He gave 100%+ to make everything run smooth and found the best loan for our needs.

Chuck & Denise P. Carlsbad

Steve was referred to us by one of our neighbors who is a retired real estate banking professional. She told us to use him because "he is very honest". Now after using his service I agree with those words.

Bill Carlisle