Steven Vella – Bay Equity, LLC

Steve is completely amazing. From the beginning he looked at our finances and was very clear about what we could afford. He was super responsive as we went forth with multiple offers, getting us a letter for the seller indicating we had good financing. He spent days talking to my homeowners insurance about what we’d need covered, given that the HOA covers only certain things. I was so glad to not facilitate those conversations myself. He was there at the final signing to make sure it went smoothly. Steve is the guy to go to when you want personalized service, and someone to hunt around for the best loan for you.

I’ve had a working relationship with Steve for about 20 years. He’s done half a dozen loans for me over that time. He’s worked for several banks in that time, but always with the same passion. My loans are always done right and done right the first time. Buying a new home or refinancing an existing one is a big deal. Its a huge comfort to know Steve is in my corner. I would gladly recommend him to anyone.

Wow, that’s all I can say! Steven Vella is a solutions provider. I am a Realtor in San Francisco and I cannot always say that about the people I work with in the industry. Steven literally made the deal happen through his persistence with the underwriters and their managers at Union Bank. My clients had formed a partnership and were buying a multiple unit property with a ¹⁰⁄₁ Arm. A couple of the partners had issues with income and credit repair that were not easy hurdles to overcome. Working with my clients, the underwriters, and exhausting numerous hours in written explanations to satisfy loan conditions, made the difference between success and failure. Not all LO’s understand the banks and underwriters within those banks the way a good, professional loan officer does, and Steven Vella is that guy! He is a deal maker and someone that I will be working with for years to come. Thanks, Steve! I think it’s safe to say that all the people involved with the Moss Flats team owe their success to your diligence and hard work!

We were introduced to Steven Vella through our real estate agent during our home search process.
Steven was prompt to set up a meeting with us to take the time to understand our financing, long-​term goals and needs in terms of financial strategies. He made extremely valuable recommendations and explained the different options with their pros and cons without ever pushing us one way or another. With all the informations in our hands, we were able to wisely decide how we wanted to finance our home.
Steve walked us through various mortgage products that were relevant to our situation. He explained the information and documentation that we needed to provide in order to get a pre-​approval.
Steve was always very responsive via e-​mail or phone calls to answer any detail question we had (and we had a lot !), and was able to get us a great mortgage
rate that no other bank could compete with.
Then, when our offer was accepted, Steven was with us every step of the way. He clearly walked us through all the various steps if the process, from application to closing.
We were so pleased with Steven, his carefulness, thoroughness, and professionalism, that we keep highly recommending him to anyone !

Steven was terrific. My husband and I were buying for the first time in San Francisco. The market here, including for financing, is a lot more complicated than up in Seattle where we had most recently lived. Steven was super patient and extremely knowledgeable about the various financing options for buying a house in SF, as well as construction loan options. He ran numerous scenarios for us and was always available very quickly and with great advice. Our mortgage went through smoother than we could have imagined. We recommend him to all our friends and will definitely use him again.