James Rafuse

AVP, Senior Loan Officer
NMLS# 32209
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Meet James Rafuse

Jay is a seasoned mortgage professional with over 30 years of experience as a loan officer and broker/owner.  He is a Marketing graduate of the University of Central Florida and a former U.S. Air Force officer.   He takes pride in delivering total quality customer service and cutting edge rates and programs to each and every client. Astute of the market, he religiously monitors mortgage backed securities and advises clients regarding rate lock decisions. While away from the office, Jay enjoys spending time with his three girls, Erin, Kirsten and Sophia. He lives in Wesley Chapel, FL and frequently travels back to his home away from home: Scituate, MA.

Meet James Rafuse’s Team

Nathan Vandemoer
LO Assistant

Find Out What People Are Saying About James Rafuse

James was great…always so quick to respond!! Would go to him again without hesitation, a true professional!!

My experience with BayCoast Mortgage was, overall, very positive. My loan officer, James Rafuse, was attentive, well informed, and responsive. I would highly recommend both BayCoast as an organization and Mr Rafuse individually.

Jay Rafuse was outstanding while getting my mortgage. He was very professional, knowledgeable and personable. I would recommend him anyone looking for a mortgage.

Simply the best. Mr. Rafuse is knowledgeable, experienced, and always accessible.

Jay, I want to thank you for guiding me through this long and tedious process of buying a house.Your patience and understanding was most appreciated,as we waded through the massive amounts of paper work,and still found time for a laugh or two..(go soxs)..Regarding any future transactions, I would be highly honored to recommend J.Price and the Baycoast team, to my family, friends and business associates..Again thanks for a great job!!

Jay Rafuse, and his Baycoast Team were an absolute pleasure to work with. Making an irritating and sometimes complex process much calmer and easier to handle. Thanks Jay, much appreciated. Lance. PS. I always shop everything and whilst the other providers were good Jay’s service was great.

I’d like to thank Jay Rafuse for handling my remortgage on our home. Jay was absolutely the best. He helped us through every aspect of the refinance. If I needed help he would call me back immediately. I never had to wonder what was going on because he kept us constantly informed. That was very important to us. We got a great refi and are very happy with the result from BayCoast Mortgage and Jay Rafuse. Thank you so much!

James was very knowledgeable and overall great to work with. He helped us get our construction loan so we could realize our dream addition. As a self-employed person loan approval can be challenging. With James he made it seem routine. I have not had the same experience with other lenders. We enjoyed working with James and BayCoast. We would highly recommend you give them the opportunity to assist you as well.

Jay is the ‘Rock Star’ of home mortgages. It was smooth sailing on a complex purchase for a second home!

Jay was a pleasure to work with. He did everything possible to get the best loan for our needs.

I could not have been happier with our experience refinancing our home. James Rafuse was extremely knowledgeable and helped guide us through the whole process. He was easily accessible by both phone and email and my questions were answered immediately. I was pleasantly surprised with the level of customer service James provided and with how quickly and smoothly our refinance was completed.

A+++. I have worked with Jay for many years. As always he delivers exceptional customer service. Quick response to any and all questions. Very easy to work with. I will always use Jay for my mortgage needs and gave and will continue to recommend him to everyone I know who needs mortgage financing.

James was great to work with made my experience very easy!!

I would like to state that since 2003 my wife and I have refinanced our home at least 5 times for various reasons. Each and every one have been through James Rafuse. This is because in every instance James has been a tremendous professional and goes above and beyond expectations. He has become a trusted partner in our family finances and through his expertise and experience we have been able to significantly reduce both the overall long term expense (interest) and significantly reduce the number of years of repayment (term). Thanks to Jay our family has saved tens of thousands of dollars both short and long term and has become an invaluable asset to our family. It is also noteworthy that not only would we recommend Jay to others we are proud to say numerous members of our family view Jay in the same light as we do.

Working with Jay was a pleasure. He was extremely helpful and went over and above my expectations. I would definitely recommend Jay to my friends and family and will contact him again if an opportunity to refinance presents itself.

My husband and I recently refinanced our longtime, existing mortgage. James Rafuse was our loan advisor and facilitator. He was absolutely amazing! In addition to being very capable and knowledgeable, he was friendly, concerned, considerate and very responsive. We would recommend him very highly to anyone considering financing and/or refinancing options. You won’t be disappointed.

Jay was extremely knowledgeable, professional and easy to work with. He responded promptly to all questions. The whole process was very smooth. I would highly recommend him.

I had the pleasure of working with Jay Rafuse of BayCoast Mortgage on the refinance of my home. Jay was very knowledgeable, helpful and proactive throughout the entire process. I was most impressed by Jay’s level of communication, as I was kept informed about all that was occurring during each step. Jay was able to quickly smooth out any problems or issues that arose. I would highly recommend Jay and BayCoast Mortgage for any home financing need.

Jay was very informative. Explained all the options and made the process go smoothly. He did everything he said he would. There was no stress through the whole process. Big recommendation.

James Rafuse, Senior Loan Officer, was instrumental in securing the best option for my refinance of my secondary mortgage. As I have experienced in the past with Mr. Rafuse, he took the time to explain all my options and guide me through every step of the process. He made every effort to ensure the process was seamless, thorough and convenient for me. In addition, he is exceedingly pleasant to work with and ensures all “t’s are crossed an I’s are dotted.” I will only work with Mr. Rafuse for mortgages on my homes and have readily referred him to many family and friends. He is professional, kind, patient and ensures he meets all his customers’ needs. I would recommend him to anyone.

Excellent. My agent (Jay) was professional, knowledgeable and very responsive. I will definitely recommend him to my friends and family. The entire process was seamless. Very pleased.

Jay Rafuse was a pleasure to work with. Not just in his helpfulness and care for the customer’s needs, but in his superior working knowledge in the mortgage and loan arena. Jay made the experience less stressful, was efficient in all areas of the loan process, and worked very hard in pulling all the pieces together for a successful close. Thank you BayCoast and Jay Rafuse!

Jay Rafuse at BayCoast Mortgage was the perfect refinancing partner for me and my wife. When it comes to big financial decisions like refinancing our major asset, our home, we often get cold feet, then change our minds and want an immediate solution before finally listening to Jay’s wise counsel. We did a no points no closing refinancing, and that’s exactly what it cost us � no points and no closing. We got a very competitive rate and the terms we wanted. The number of stars that I have selected in this review accurately reflects my dealings with Jay Rafuse. You can rely on him to get things done in a timely manner, to be frank and to also gently point out what seems like a brilliant idea to you – isn’t.

Went with a no point, no cost refi. Jay Rafuse was a pleasure to work with. He always found time to answer any questions and explain the ins and out of refinancing. He has 20+ years of experience doing no cost, no point refi and a great perk is that you can refi in the future at no cost should rates drop. Jay would always respond to phone calls or emails almost immediately and remained true to his word through the process. I recommend Jay and BayCoast highly!

We had a wonderful experience with [Jay Rafuse] BayCoast Mortgage. We refinanced our house for a great rate and the ability to do home improvements. The process was clear, easy and completed in a timely manner.

We had a great experience with our recent purchase with BayCoast Mortgage. Everything seemed easy and painless. Jay Rafuse worked closely with us one on one to ensure we were locked in at the best possible rate. He was also available for any questions we had during the process and responded with a quick turnaround.

Jay was extremely knowledgeable, professional and easy to work with. He responded promptly to all questions. The whole process was very smooth. I would highly recommend him.

BayCoast Mortgage took care of my refinancing needs. My BayCoast Mortgage consultant, Jay Rafuse was a true professional. He was very knowledgeable, able to provide me with the best options that fit my scenario, and communicated clearly what was needed and the expectations every step of the way. BayCoast Mortgage offers very competitive rates and programs, and stayed true to their word and direction. The entire process and experience was fantastic and I was able to close the transaction in a very timely manner. I would highly recommend Jay Rafuse and BayCoast Mortgage for a home loan.

Jay Rafuse was very helpful and extremely responsive. We were contacted by some other companies to do our refinance, and he was the easiest to work with (helpful but not pushy!) We have refinanced before and I was a little surprised at the amount of additional paperwork we were asked to provide, but it was easy to pull together. The closing at our home last night was very easy and convenient. All in all, we closed in less than 30 days.

Mr. Rafuse’s (Jay) professionalism and knowledge of the mortgage market and his explanations of terms of a mortgage, made my refinancing a pleasure. The whole team made what I perceived as a difficult task, an efficient process to refinance. The closing Attorney came to a convenient location of my choice. Bottom line-great people/great rates.

I have never refinanced before and used an online service which allowed multiple banks to contact me in a short amount of time. BayCoast bank definitely had some of the best rates out there at the time and Jay did a stellar job from day one all the way to closing. If ever any issues came up. Jay was always there to help and to make sure that everything ran smoothly. Not only did I get a great rate but I also got fantastic customer service!!

Jay was excellent to work with. He was always so responsive via email and calling. He let me know what documents we needed to submit and why and was always so friendly. I would highly recommend him to friends if I hear that anyone is looking to refinance.

Working with Jay was effortless. Everything went according to plan and Jay was extremely responsive to texts and emails. Overall, we had a great experience with the whole team! Thanks again!!

Jay was awesome to work with. My new purchase was so easy! This was my second mortgage with Jay and I was extremely impressed both times.

I had the absolute pleasure of working with Jay on our refinance. Start to finish the process was seamless. I highly recommend working with Jay.

Jay is very responsive to any questions or concerns and explains all and recommend products. The underwriters and closing attorneys were great. I am a Real Estate broker and refer anyone who needs to be pre-qualified and Jay takes my call day or night 7 days a week.

Thank you, Jay and the Baycoast team!! Buying our new home was a breeze with your help! You were attentive to every call and email through ups and downs of the current market. To top it off, you saved us money in the process!! Unreal. You and your team are the best!! I will definitely recommend you to my friends and family. We’re certainly keeping you in speed dial for our next transaction! Thank you!!!

Working with Jay is always a positive experience! That’s why I went to him first for a possible re-fi to see if it was worth executing, and Jay came back immediately with our best options. So grateful!

This is our third transaction with Jay and BayCoast after my mother in law recommended him, using their 30+ year business history as a reference. Jay is the BEST and working with BayCoast is a treat every time. We look forward to many years of business together!!

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