I had an outstanding experience refinancing with Steve Booras and the SmartRate team. Steve was professional, honest, responsive, and incredibly knowledgeable throughout the entire process. He made everything easy to understand, kept me updated every step of the way, and worked hard to secure a great refinance for my family. If you're looking for someone who truly puts your best interests first, I highly recommend Steve Booras and SmartRate. Thank you for making what could have been a stressful process smooth and seamless! read more

I have been through the mortgage process about 10 times now. Working with Steven for the last two mortgages has been the best experience by far. He is extremely knowledgeable, trustworthy, honest, and got me the absolute best rates out there (others didn't come close). He has made the process completely painless and he knew what was needed up front. Other brokers require a ton of back and forth fetching or updating documents, where with Steven it has been pretty much one and done for me. I highly recommend reaching out to Steven. I personally recommend him to everyone who is looking at buying or refinancing their personal home or an investment home. read more

They were able to get me a nice low percentage on my refi. All went easy and smoothly. No hassles. Good communication and also if interests go lower after six months they will be able to work on a better refi again. Very trustworthy company. read more

Steve goes above and beyond to get you the best deal with a seamless transaction! Him and and his team are top notch and are there to assist you whenever needed! read more

THIS IS YOUR GUY Steve (Steven) Booras knows his stuff and most importantly does what he says he will do. We got a call from him and he asked a few questions but was different. He listened to our situation and understood we needed to close fast. Once I said yes, he took the bull by the horns and got our desired result. Easy to talk to and did not try to over sell anything. Thank you Steve for making the others look bad. read more

Steve Booras is an exceptional mortgage broker--honest, responsive, clear in his explanation of complex financial concepts, and patient in dealing with the at-times bureaucratic underwriting process. Not only did Steve secure me a highly competitive rate on a jumbo non-conforming loan, he and his team's strong organization and coordination from start to finish made refinancing easy. I strongly recommend him to anyone considering a home loan. read more

I've been a Realtor for over 20 years and work with lenders regularly. Most of the time, I'm chasing them down for updates, dealing with overpromises, and managing last-minute issues myself. Wanting to try a lender outside my usual network, I chose Steven Booras and Chad Goette--and I'm glad I did! From start to finish, the loan process was straightforward and seamless. Steven and Chad were on point at all times, providing consistent updates and delivering exactly what they promised--and more. Their old-fashioned approach to service means they over-deliver rather than just meet expectations. Like any transaction, a few challenges arose along the way, but Steven took charge, assured me he would handle them--and he did. Not only did I experience top-tier service, but I also secured a great rate! There are plenty of lenders promising competitive rates and stellar service, but Steven and Chad truly stand out. I can confidently say I would refer my clients to them without hesitation. They are a fantastic team that gets the job done right! read more

I found Steven originally from a google search of the lowest interest rate. I called the number and he was very nice from the start. I could tell that he was very smart because he told me has an accounting background so he is good with numbers. He approved me with ease but my offer was not accepted. Fast forward a year later, I remembered Steven and called him to let him know my terrible experience that I was having with another broker. I only had a few weeks to refinance my home before my appraisal expired. Steven told me he could get it done and I put all my trust in him. He walked me through everything and we closed in a matter of 2 weeks. I didn't think it could be done, but Steven held up his promise to me. A few weeks later, I put in an offer on a new house and I called Steve for a preapproval letter. He sent it to me right away and I actually closed on a new house a month after Steven helped me close my refinance. I cannot express enough how great Steven is. In a time of stress and extreme need of help with my refinance, Steven got the job done. For the purchase, the escrow process with Steven's lender was the easiest I have ever experienced (I have made about 5 purchases so far). Steven is smart, easy to reach, and will answer your questions. Most importantly, if he says he can get the job done, believe him and work with him to achieve your end goals. THANK YOU Steve. read more

They offered a great rate and we were excited to work with Steven Booras and his team. Unfortunately, they did not ask for necessary documentation until the day the loan was supposed to close, ghosted us on our closing date, and we nearly lost the house due to their lack of care and communication. It would have been easy for Steve to just answer his phone and give us an update, rather than offering only radio silence as we and our agent tried to contact him for days, panicked that we would lose the house. We ended up closing 5 days late and it was a very stressful experience. I changed this review from 1 star to 3 stars after Steve reached out to apologize for the experience. It was good to see him take some accountability. Overall, he had a great rate and did a good job in the first half of our escrow period, but caused us a ton of unnecessary stress when it came down to crunch time. I wish he had been more responsive. read more

Awesome team and great/low rates. This rating was long over due and first of all sincere apologies for not writing this earlier. We're shopping for low mortgages for investment property in Feb of this year and reached out to Steve. This was our first transaction with Steve. From the initial conversation until our loan was closed Steve and his team was really professional, awesome, fast and followed up with us and lender in timely manner. Also Big shout to Caitlyn, our loan processing assistant . Caitlyn is very professional, trustworthy, service with smile, guided us all along and never missed replying to our emails and follow ups. As a result our loans were closed on timely manner and zero surprises. We already recommend Steve to our friends. Hope to do business again... If you need a mortgage Steve and his team is the place to check out. read more

We worked with Steven on our first home purchase. He was extremely helpful and took us through the entire process smoothly. He also helped us get lower interest rates and also helped in refinancing the loan. His team is great and easily approachable. read more

Quick, Polite, Professional. This is, in my humble inexperience​ as a first time home buyer, is how a mortgage​ should feel like. As a first time home buyer, we didn't know what to expect. We had shopped around and got about 8 different quotes. We were with another agent, which we thought was pretty good. But we did some due diligence​ and saw Steven on Zillow (and LinkedIn) had years of experience in the industry, had a high reputation, and was able to give a very great rate quote. I called Steven rushing him and he carefully explained​ our questions for 90 minutes even though it was late at night 11 pm​. We'd basically sent him all the files needed and he was able to get the loan done in basically 5 days. We comfortably closed ahead of schedule, and I volunteered to leave a good feedback. Would recommend again. read more

Steve Booras was absolutely fantastic! After searching for loan rates and finding that Bay Capital Mortgage had the best rates (and Yelp reviews), I contacted them for my loan. Steve reached out to me immediately and walked me through the steps quickly and easily. He was very warm and friendly, and extremely responsive. He provided me with his direct cell phone number and always answered my emails, texts and calls almost immediately. He guaranteed the lowest rate, and when I found a lower rate mid-process, he adjusted it and beat the rate by more than I even anticipated. He was extremely helpful through the entire process and was an all around pleasure to work with. It was great to have the personal touch I received. Krystle Edoria, his Loan Assistant/Processor, was also wonderful. Like Steve, she was very friendly and responsive, and she helped walk me through both the process and any questions I had. I have had several financing/refinancing experiences and my experience with Steve and Krystle far exceeded any of my other experiences. I closed escrow a few days and and I have already recommended Steve to everyone I've spoken with. read more

Steven and his team are simply phenomenal! I have started my mortgage process with BofA. However, despite having an excellent credit score, BofA underwrite turned out to be totally uncooperative. After realizing I would never close on time with BofA, I found Steven on Zillow due to his low interest rates and great reviews. Steven quickly jumped on a call and took on my case. After sending in all my documents, Steven managed to close the deal 3 days BEFORE the deadline. Steven is a true professional (he never pressured me into anything). Moreover, he is a real business man that understands all aspects of the loan process and how to make it happen, on-time, with the lowest amount of headaches. He works hard and is available at any time even late evenings. I highly recommend his services to anyone seeking a mortgage and would love to do business with him again at any time! read more

I was in market buying new home. My builder lender was giving credit but was offering high interest rate. So i started searching and contacted steven boorsa. I explained the situation about my house getting built. He said he will work with me. So we started the process. Steven kept his promise and closed my house at same rate and on time. Krystal his assistance is also a wonderful person she everything on time and kept me updated. read more

Just completed my third transaction with Steve @ Bay Capital Mortgage, and I just can't say enough about how hard Steve and his team worked on making sure I was getting the best deal available for my particular transaction. We all know the loan process has become super cumbersome, fluctuating rates while in the process & many hands involved with closing the transaction. Lots of moving parts, and some that can end up costing you a substantial amount of time & money. Steve made it a point of communicating everything taking place and options I had during the whole process. If you need a loan Steve and his team at Bay Capital is the place to go read more

We've been working with Steven Booras at Bay Capital for a couple months now and we couldn't be more pleased. He and his team are always super responsive (even on weekends - shhh!) to requests. He pre-approved us in a day so that we could put an offer on a house in an incredibly competitive market. We're so happy working with him and have no doubt when we finally get an offer accepted that the loan will fund quickly and easily. We cannot recommend him enough! read more

We just closed escrow ON TIME. Steve Booras and Krystle Edoria of Bay Capital Mortgage played a huge role in keeping to the timeline and moving the arduous lending & escrow process forward. Though we were initially hesitant going with a mortgage broker who we would be working with virtually, Steve has been very communicative with us, and was truly available to answer all the questions we had. Because my fiance and I are both analytical and process-driven people, we like to understand what's happening in each step of the lending process and Steve spent the time we needed to educate us on what's happening and what to expect next. It was a great lessons learned for us that just because we weren't co-located in the same city, it did not sacrifice the level of service. In fact, we got the best deal out of all other lenders we have compared rates with, and Steve was able to arrange for the best rates. Additionally, Krystle was always PROFESSIONAL and efficient at driving the process forward (also a bonus that she's a great conversationalist!). Together, they provide a service you can put your trust into. If you are looking for competitive rates, a capable team with deep market knowledge, give Steve a call and he will make sure you get what you need! read more

As a first time homebuyer purchasing a new home build, it was difficult to find as transparent, responsive, knowledgeable, and respectful lender as Steve and Krystle. Their rates were extremely competitive and noone could match their offer. They took the time to explain things I didn't know and put me at ease throughout the entire process. My home kept seeing delays and they worked with me diligently and kindly through all of it. I can safely say that Steve and team were never the cause of any delays. When the day came for finalizing COO and recording, they came through as quickly as I could have hoped. Can't ask for much more than Steve and can't recommend him enough! read more

Steve and Krystle successfully refinanced my Wells Fargo HELOC and SLS mortgage into a single loan, saving me upwards of $1k in monthly payments, which posed the challenge of my self-employed income. They communicated with email and phone and were thorough and positive in all interactions. I recommend their services highly. read more