Testimonials

Mr. Jeffreys provided outstanding customer service. When there were road blocks he found ways to get around them. I enjoyed working with him and I will refer future customers to him.

Mr. Jeffreys makes refinancing easy even though Government regulations changes. He informed me at every step.

Kept us informed. Gave us straightforward information. And, tried to make a cumbersome process as smooth and open as possible.

It was my fault in not choosing Bay Capital. He did a good job.

Bill has extensive experience in the mortgage industry which makes him well versed in both the products and the process. More importantly Bill took the time to understand the personal side of my move and make appropriate recommendations. Bill went above and beyond even coming to my home to pick up signed documents, I felt that Bill and Erin were vested in me and not at all like this was just a transaction.

He was always available I'm going to answer questions.

Bill is fantastic. He took care of every need and question that we had. He always went above and beyond!

Bill was an invaluable asset to our home buying experience. He provided guidance, information and helpful advice as we navigated through the process of purchasing our new home. Bill worked tirelessly to ensure we had all of the paperwork completed and that it was all completed correctly. He was willing to meet or talk by phone whenever we needed his help. Bill is professional, personable and knowledgeable. We would most definitely reach out to Bill if we ever purchase another home.

timely, professional and pleasant people to deal with - top communication

He is a true professional.

Bill did a fantastic job with our loan. Not only did we get a great rate but Bill was a pleasure to work with. He always made himself available for any questions we had. He was terrific educating us through the entire loan process. Whenever you're sharing personal information with someone, you want to feel you're working with a trustworthy person and Bill is just that. Bill is awesome and I highly recommend him for your mortgage loan needs!

Bill was very informative and responsive to questions I had. He was very pleasant and I enjoyed working with him.

Prompt and courteous service. Good communication. Had no difficulty in obtaining the mortgage terms we requested.

Mr. Jefferys was very well knowledgeable very professional would definitely recommend him to others. We were definitely please!!

Bill made the process easy. He responded to my texts quickly and I was able to email most of the information that was needed.

Bill made the extra step in helping us secure our mortgage. He was always available when we had questions or concerns and had answers our issues. Bill was a pleasure to work with and will recommend him to anyone else looking for a mortgage.

Bill is very personable and client-focused. He was always available to answer my questions and did so in a thoughtful and thorough manner. My experience with obtaining a mortgage was worry-free thanks to Bill.

Bill was always pleasant and willing to provide whatever information I needed to better understand the process.

Bill kept us informed through the whole process. He coordinated with both realtors to insure that everything that needed to get done was. He did all of this with a great attitude

Mr Jeffreys financial knowledge and he is very professional.

Bill is very knowledgeable and friendly. He always kept me informed during the refinance process. He is a true professional.

From day one Bill was very friendly and forthcoming about all and any questions about the loan process. He also preemptively gave information about what we were going to experience. He was always available whenever we had questions. In my opinion Bill made the entire home buying process smooth, he took all the headaches out of the home buying experience.

Working with Bill was such a pleasure! He's exceptionally personable, knowledgeable, and kept open communication with us through the entire process. He certainly took us 1st time buyers on a smooth sail. We are beyond thankful for having him referred to us.

Being a recent widow and purchasing a home on my own was an emotional experience. Bill walked me through each step making sure I understood everything. His kindness & professionalism made buying my first home a wonderful experience. I would highly recommend Bill to my friends and family.

Bill is very personable and efficient in finding a mortgage for you, based on your needs. He is very patient and helpful. I would come back to him for a mortgage in a heartbeat. He made a "trying" experience very pleasant!!! ILONA WILLIAMS

Bill was knowledgeable about the process and was able to fully explain the process to us. Further, he was able to match the type of mortgage product to our needs.

Bill went more than the extra mile when he stopped by after closing to help us unload our self-move truck. How often does that happen?

Bill was very friendly and explained everything to me whenever I asked questions. He was always available when I called and was a great guy to work with.

The Investor rates were very good, and Bill did a good job asking for most items up front so we did not have to keep supplying more documents later on other than updated bank statements, etc.

Bill was friendly and professional with the handling of the purchase of our new home. Everything went smoothly from the application process through closing. Bill even attended the closing. I would highly recommend Bill and his team.

Great overall experience

Mr. Jeffreys was always attentive to my questions and quick to respond with answers and insight. He was wiling to go out of his way to meet with me at my convenience. I would say the same for Ms. Erin Capes who was prompt with responses to my questions and concerns. Both provided me with guidelines and suggestions.

Bill was great to work with. He made everything easy for me, never talked down to me, and kept me up to date on where we were in the process of buying my new home. No delays!

Bill was consistently upbeat, friendly and helpful. He gave straightforward, professional responses to questions. He made an effort to communicate at my convenience including evenings and weekends.

He was always there to answer any question that I had!

Bill assisted in the financing and refinancing of my present home. His professionalism, courtesy, understanding of processes, and patience is unequaled by anyone. I highly recommend him. Ultimate Professional.