Category: Featured

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    Helpful Tips – Document Checklist

    The following Document Checklist and Instructions will help you in filling out your loan application.

    Why John McNulty?

    You will deal with an experienced professional not an inexperienced clerk, teller or call center operator.

    John has numerous testimonials that attest to the quality experience enjoyed by his clients.

    John has over twenty-five years in lending in San Diego covering virtually all lending scenarios, property types and borrower profiles.

    John has an education rivaled by few in the industry – a B.S. in Finance and an M.B.A in finance and marketing.

    Our communication is consistent and proactive and we are always available to answer questions or provide updates.

    We have a team of professionals that work together to ensure our client’s satisfaction.

    John is a homeowner and active investor so he understands this process from the consumer’s perspective which helps continuously improve the customer experience.

    John and his family are actively involved in community service as well.  John has been a Paul Harris fellow in rotary.  His wife led a KidsKorp chapter for several years and his daughter started a chapter for young athletes to become more involved in community service.  The family is involved in TVIA locally and has supported and served orphanages and schools in Mexico and Peru. 

    John is a member of The Foundation for Personal Financial Education, a private, non-profit 501c3 enhancing “fiscal fitness” by providing financial education in the workplace. He also serves on the City of Del Mar’s economic improvement committee.

    We are personally committed 100% to doing whatever it takes to assist each client in securing the best possible financing.


    Referrals are the lifeblood of our business at Bay Shore Mortgage.  By providing first class service to our clients combined with exceptional interest rates, we differentiate ourselves from the big banks where you “take a number”.  Below please find some comments from just a few of our satisfied clients:

    “Helpful, Responsible and Patient”

    “You have been helpful, responsive and patient in your dealings with me and when I threw you a curveball, it was dealt with very professionally.”


    “Returning to John…was an easy decision”

    “I’ve worked with John McNulty twice now in recent history–once for my home purchase in February 2011 and again in July 2011 when rates dropped so low that I was able to capitalize on a refinance.  Returning to John to assist with my refinance was an easy decision.  I’ve always found John to be very available and willing to talk through the financial analysis.  In fact, when I first contacted John for my refinance, I received a return call within a day despite the fact that he was en route to Colorado for vacation!” Read more

    Ben D.

    “As good as it gets!”

    “If you are looking for a mortgage, Bay Shore Mortgage is as good as it gets. The company is led by John McNulty, who possesses all of these characteristics. As the CEO of a lending company, I know many institutions which either don’t provide great service or do not always provide you with the best price. With Bay Shore, I know I am getting both. That’s why I have both purchased a home and refinanced a home with Bay Shore Mortgage.”

    Client/Google User

    “The best I’ve worked with!”

    “John McNulty and his team at Bay Shore Mortgage are the best I’ve worked with! They assisted me on numerous personal transactions as well as with client purchases. John is forthright, responsive, and best of all, gets the job done! Too many in the industry promise the world and then fail to deliver! If you want to work with someone that tells it like it is and will do whatever it takes to deliver on his word, call John McNulty!”

    David D. Gilmore Prudential California Realty/John L. Scott Real Estate

    Straightforward and honest”

    “John was straightforward and honest throughout the process, prompt in delivery with excellent customer service. Best such professional I have worked with.”



    “John was very efficient in finding us what we wanted and needed”



    “We appreciate the time and patience John extended, combined with the fact that there was no pressure. Additionally, he was always accessible – weekends included””



    Check out these brief video testimonials from satisfied clients below:

    Here are some realtor testimonials as well:

    For more reviews and comments, check out our Google Places page.