700 Larkspur Landing Circle, Suite 265
Larkspur, CA 94939
Thanks for visiting my web site.
Whether you are buying your first home, refinancing, or buying an investment property, I am dedicated to helping you with all of your home mortgage needs and giving you the most effective financial guidance.
I am a licensed real estate broker and mortgage loan officer with expertise in structuring financing, determining real estate value, and underwriting policies. My ability to explain complex concepts in a clear and easy-to-understand manner will give you the confidence that you have the knowledge to calmly make the right decisions when it comes to your financial needs.
Listening is my key component in determining your needs. Fulfilling those needs in a timely manner with great efficiency is my mission.
You are invited to apply on-line, or contact me to set up an appointment. Either way you will get my immediate and personal attention.
“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 information 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 detailed 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 in 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!”
“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. It’s 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!”
“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.”
“I was introduced to Steve Vella through a business associate of mine. We knew it would be challenging to get financing since I recently started my own business and my boyfriend has switched industries in the last year. We asked around and Steve was recommended as someone who could get the job done! Steve was great, he knew what he was doing and how to present the loan to the underwriter. This was my boyfriend’s first real estate purchase and Steve took the time to explain the process to him whenever he had questions. We closed escrow on time and with no issues, Steve really made the process easy and as stress free as it could be. Hi staff was great too, and very responsive. They took the time to get to know us too which was nice.”
“I have done two loans with Steve Vella, and his professionalism and steadfastness in getting the job done are A+. We had a challenging application and at every turn, Steve stayed on the lender and never backed down, even when I was ready to throw in the towel, Steve persisted that we would get the deal done. Steve is a family guy, who not only cares about his clients, but is an advocate for this clients every step of the way. I cannot say enough great things about Steve and you can feel confident that you will be well taken care of. Kudos to Steve and Bay Equity, a real class act.”
“We recently bought our home this month with Bay Equity as our loan company. And all throughout our home buying period, we never experienced any problems with Bay Equity. They were actually outstanding! Great customer service, really fast turnaround time, very professional people! They delivered as promised. They actually exceeded our expectations. THANKS, BAY EQUITY!”