Stephan A. Cabral

Vice President
Senior Loan Officer
NMLS# 33150
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Meet Stephan Cabral

As the longest tenured member of BayCoast Mortgage Company, Stephan Cabral has become one of the top producing loan officers in the mortgage industry today. Based on extensive data collected by The Warren Group, publisher of The Commercial Record, Steve has been placed in the top 3 loan originators for the state of Connecticut based on loan volume and number of closed loans.

Steve has been awarded the Certificate of Excellence Award at BayCoast Mortgage for being the top self-producer in the company multiple times. Most notably, after claiming the top position again in 2016, Steve became the first Loan Officer in the company’s history to surpass the $400,000,000 mark for loan volume and has recently surpassed the $500,000,000 milestone for his career as well as surpassing $50,000,000 last year alone. 

As a nationally licensed mortgage professional, he has the expertise and resources to provide clients with the most comprehensive mortgage solution.  Whether purchasing or refinancing, he will make sure his clients receive the best mortgage plan that suits their specific needs. Now, acting as a lender, Steve has access to the most aggressive interest rates in the country, which allows him to put his many years of experience to work for his clients and their families.  Steve’s unique mortgage management approach, affords his clients the peace of mind, to know that they will never miss an opportunity to improve their current situation.

Meet Stephan A. Cabral’s Team

Andrew P. Kinnane
LO Assistant

Find Out What People Are Saying About Stephan A. Cabral

Working with Stephan was a true pleasure. I’ve borrowed money six times (three of which were refinance deals) from 5 different lenders but working with Steve was by far, the best experience. He set clear expectations and was very responsive to my questions. My previous experiences with other lenders were not as satisfying or quick – lots of back and forth and lack of clarity around the closing process.

Stephan is amazing in his role, it was great working with him, could not have been happier, he definitely goes miles extra to find a solution for you. And I will use him for the 3rd time for sure.

LOVED working with Steve. He was always available for questions, no matter day or time. We hit a couple of pretty good roadblocks during the process, and although Steve claims he was only doing his job, in my eyes, he performed some miracles and got me into my new home. Very professional and easy going which was perfect to someone going through a stressful process. He talked me off the ledge more than once!!l I really cannot say enough wonderful things about Steve. I will definitely recommend him to friends and family. And would definitely use his services again in the future.

A force of nature. Stephan is amazing, he can get the deal done, I could communicate with him and take care of my work on weekends and holidays with him. he goes above and beyond.

Steve Cabral is a spectacular real estate mortgage specialist. I have worked with him for years on ARM as well as fixed rate mortgages, and what sets him apart is his constant review of the marketplace to identify products that can save me money. He genuinely looks out for my finances and his advice over the years has been excellent and spot on.

Responsive and proactive. Steve was quick to respond to questions and was proactive in moving the process along. As a result of his thoughtful reminders, we closed on time with no surprises. Most importantly the terms and closing costs stayed the same from the original quote until we closed.

Stephan was the best mortgage broker I have ever worked with- amazing attention to detail and responsiveness, a true partner throughout our transaction.

Dedicated, Responsive, Professional – Awesome. Stephan was the best loan officer we have ever worked with – he was dedicated, responsive, a consummate professional, and a general pleasure to work with. His mortgage market insights and advice were exceptional and tailored to our needs. His commitment to monitor future market changes post-closing to ensure our placement with the right mortgage going forward is unparalleled. I give Stephan the highest recommendation.

Stephen was the consummate professional in every aspect of our purchase. We’ve worked with him on purchases and re-finance deals in the past and will be certain to do so in the future. Stephen was available to assist us every step of the way from initial discussions through closing. I can’t recommend him enough!

It is always great working with you. You know how to close a deal. I will definitely recommend you to my future clients.

Awesome to work with! Stephan walked us through the refinance process from start to finish – and secured a refinance mortgage that is great for us. He was extremely accessible, clearly explained all options and all steps of the process, and ensured we closed quickly and with all questions answered. Stephan is a true professional, and we will come back to him again for our next refi or home purchase! Thanks for all of your hard work and dedication, Stephan – it is so appreciated!

Fast, Simple and Excellent. Stephan guides you through the lending process from beginning to end. Unlike the big banks, you’re dealing with a person who remembers who you are and actually cares that your application is approved with little fuss and muss. Calls were returned promptly and follow up was timely and effective. I can’t wait to refi!

Awesome! Steve was amazing to work with. He guided us through the process and helped us tackle a few challenges along the way. He made the process easy to understand and was always available to answer questions for us. I highly recommend working with him and hope to refinance with him again in the future!

Simply the best. I have refinanced with Stephan at least 3 times over the years so I knew he was the person to help me again. Mortgages seem more complicated now but with Stephan’s knowledge and capability I knew I was in great hands. He was available, literally 24/7 , always calling or emailing with all the information that I needed…And when I thought that the loan might not happen he was right there to ease my worries and make it all come true. I have and always will recommend Stephan. He is simply the best.

Easy and Painless Refinancing – We have refinanced with Stephan several times and he’s always been easy to work with. We would work with him again, without reservation. If you are looking to refinance, Stephan is your guy!

Excellent Customer Service. We have had the pleasure of working with Steve on 2 occasions re-financing our home mortgage. Each time, Steve walked us through the process with ease. He is knowledgeable, accessible, and professional while providing superior personalized customer service. We were completely satisfied with our rate and the reasonable costs of doing business. We highly recommend Steve and his team to anyone looking to re-finance their home mortgage loan.

I have and will continue to recommend Steve (and BayCoast Mortgage) to anyone looking to purchase a home.

I worked directly with Steve Cabral at BayCoast Mortgage. As a first time home buyer I relied heavily on Steve to assist me through the process and he could not have been more helpful. Any question or time I needed to run something by him he was available at the drop of a dime. Even when I ran into a situation with the bank not having the clear to close on time, Steve picked up the phone and called them directly to make sure everything was straightened out.

Steve Cabral helped us refinance our home in Dec 2015 to a highly competitive rate. In order to do this, Steve appraised us daily of mortgage trends and monitored rates tirelessly to find the perfect match for us. Once secured, the refinance transaction ran very smoothly and quickly due to Steve’s proactivity and professionalism. Combined with his friendly approach, this has been the easiest, most pleasurable, hassle free transaction. Thank you also to the other members of Steve’s team who provided excellent customer-focused service. Thank you Steve, we shall definitely work with you again in the future.

I really appreciate all that you have done for me. You have been incredible to work with in every way possible. I will be sure to pass your name along to friends and colleagues!

Open, transparent, efficient and effective – If you’re thinking to re-fi or just borrow money, Steve and his team are the easiest to work with. The process can be painful however, Steve takes that away and makes it simple and easy….he does the heavy lifting. Excellent communicator and knowledgeable – front to back. Oh, and always on point with best rates that I’ve tried to compare.

Steve is incredibly diligent and organized. Always seems to put the customer first and works incredibly hard to ensure the process is as smooth and painless as possible. I really appreciate his attention to detail and timely follow-ups.

Easiest Refinance Ever.

Easy, simple, clean. Stephan is a 12 out of 10 – I have been working with Stephan on refi’s for a decade. I have been riding the market down on adjustable rate mortgages. I typically secure 5/1 loads, but always have the opportunity to prepay should something better show up. Stephan and his team make this a breeze. I provide some key documents as to earnings and the like and they do all the rest. I cannot emphasize how strongly I recommend Stephan and his team – and I’ve done so with referrals over the years. He has literally saved me THOUSANDS of dollars.

Couldn’t have gone smoother. My wife and I were first-time home buyers so the mortgage process was unfamiliar to us. Steve was amazing and took the time to walk us through every step of the process and thoroughly explain each detail. He put us at ease during a very stressful time. Additionally, we had a difficult close process and Steve was there going above and beyond to help us out, including extending our rate lock to ensure we received our original rate (during a time when rates had spiked). We consider ourselves lucky to have found such a great broker.

Seamless Refinance. Steve helped us with both of our refinances over the years. He answered our many questions and walked us through the process. His rates and closing costs were the best in the market and we were pleased with the end result. There is no better mortgage lender/broker in the market. Stephan is easy to work with and it was a seamless process. We are more than happy to refer anyone to Steve for their lending needs.

Easy, Easy, Easy. We had the pleasure of working with Stephan Cabral. The entire transaction from start to finish was so incredibly painless. My husband said on multiple occasions, “Wow, this guy is on it.” Stephan made sure every “i” was dotted and every “t” was crossed…while making our tasks on our end extremely simple. Would refer him to anyone.

Super Professional. My family and I moved into US as expats one year ago and in the process of buying a new house, we met Steve. He was very professional, patience and detailed throughout the process. Coming from another country and trying to buy a house can be challenging (credit history, tax fillings etc…) and Steve’s advice was just perfect. A super professional that I fully recommend.

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