Bayshore Mortgage Funding LLC Greenspring Dr, Timonium

Bayshore Mortgage Funding LLC Reviews

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  mishajosh
  2

  3/25/21 This is an update to the response I received from Bayshore: First of all, that is not what I was talking about. I was in touch with my previous lender regularly to find out the exact amount needed to closed for each day of the week before and after the date that my loan actually closed, and I did not need additional funds to close. I just wanted to make sure that no more than was necessary to close my loan was financed. But if having your refunded escrow applied to your new loan as a principal curtailment is an option, then why do you not inform your clients of this possibility prior to closing? No one ever mentioned that to me. That is not very good customer service. And through 5 homes and 2 previous refinances, I have always asked not be placed with certain loan servicers and that request has always been honored. Since you say that you do not have the ability to do this, then I guess your company is not very good. The refi went okay in the end, but their customer web portal to upload documents is clumsy and not very easy to work with, and you can't delete things on it. Also beware of the shell game they play with your money. They try to get you to close with a higher amount to "cover" your previous mortgage and tell you that you will get back any overage after closing. Yes you will, but remember that you have just financed that "overage" at whatever percentage rate your loan is set at over 30 years. What you will pay in finance charges will far exceed the amount that you get back after closing. And I specifically asked them not to sell my loan to certain banks. They did it anyway.

  Response from the owner

  We are sorry you did not feel the portal was as user friendly as you would like. When you refinance, you have a choice between bringing funds to close to establish your new escrow account or covering that amount with the loan. If you chose to cover that with your loan and you do not want to finance it long term, then the best solution would be to take the escrow funds you were refunded by your previous lender and apply them to your current loan as a principal curtailment (this will reduce your loan amount….you must tell your new lender that when you send these funds). This will prevent you from having to pay finance charges over 30 years on that money. Unfortunately, at the time of origination, we cannot guaranty what servicer will end up servicing any loan long term. If you need assistance with above please give me a call Joshua Perrera EVP of Operations Bayshore Mortgage Funding 410-914-4805

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  Sam Walters
  5

  i would highly recommend bayshore mortgage for all your financing needs! I was a first time home buyer and they were super patient and thorough with me from start to finish. Lenny and Josh were great! 10/10 experience

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  Bob Weber
  5

  From start to finish Bayshore people helped in ways unimaginable, foreseeing problems, addressing issues, expediting procedures, always doing whatever was necessary in order help achieve the goals to refinance and to put us in the best financial position. We have never experienced before and could never have imagined what Bayshore people have accomplished for us. Five stars is not nearly enough.

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  brittney cheek
  5

  Such an amazing team!!! Mark Manzo was a blessing he reached out and guided me the whole way through the process. He answered all my questions and was gave me that push I needed and advised me before I was even approved for the home. Overall the team were very quick and thorough and made my first home purchase easy and stress free. Thank you mark and your team at Bayshore you all were a blessing!!!

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  Heidi Brown
  5

  It was a pleasure working with Bayshore Mortgage Funding. Especially Mark Manzo made it very easy to get through all the paperwork and answered all questions we had in a timely and pleasant manner. Mark is very knowledgeable and we highly recommend him and Bayshore Mortgage Funding. We will use them again for any future houses we will be buying. Thank you, Mark and Bayshore!

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  Peter Lass
  5

  My wife and I would like to thank Mark Manzo and his team for an "AMAZING" experience. Re-financing can be a harrowing experience, but Mark spent the time to walk us through the process and we had the closing within 30 days. We highly recommend Bayshore Mortgage funding. Again, thank you Mark !

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  Doug Cherneski
  5

  Mark Manzo made our refi experience seamless and answered every question we had. His team followed up with us, even came to meet us for the closing, and made sure we understood the process. We are very pleased recommend giving them a call if you are in the market for a home.

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  Leesa Conley
  5

  Brent Erickson and Chris Casazza were INCREDIBLE! They found us the best mortgage product on the market and worked endless hours to perfect things for us! They were always available to communicate with us, answer our questions or calm any concerns. They were always professional and proficient and we always felt they were working to get us the best possible rate and monthly payment! We would have never secured our dream home if it hadn't been for Bayshore Mortage Funding team! Thank you really isn't enough!

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  Camilo
  5

  The process was quick and easy—Refinanced in less than two weeks from start to finish. Chris Harrell and Amy Kalb was Excellent! I recommend Bayshore Mortgage 100%

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  Heidi Fritz
  5

  My husband and I were very happy when we contacted Gary Holzapfel at Bayshore Mortgage to help us with our mortgage refi. He stayed with us every step of the way and gave us peace of mind as we went thru the process. We highly recommend Gary and are very grateful that he was there for us.