Shelter Island Capital

Ben was amazing for our home mortgage, from start to finish. First, he found us a loan to work with our tricky credit history and then, he executed it flawlessly so we could get the house purchase done in time with the least hassle we have ever experienced.

Ben is great! He’s very knowledgeable and accommodating, and knows the business inside and out. He’s even made house calls to pick up documents! I highly recommend him.

Ben was AWESOME! He helped with my loan for my new house in the Bay Area. When my buyers fell out at the last minute, threatening to kill the deal with my new house, Ben was able to use his extensive network to help me connect with several real estate agents that had interested clients. The closing of my new house was only delayed a week and I couldn’t be happier!
Ben was on top of it, responsive, smart and clever. My real estate agents made it a point to tell me how great it was to work with Ben too. I would recommend Ben and Shelter Island Capital for any lending needs you have!

Highly recommended. Ben made the stressful process of purchasing a home, very easy. Though we were not first time home buyers, we still had a multitude of questions which Ben walked us through, making sure we understood each step. And for those times when questions arose when we were not in his office, Ben always answered his phone, no matter the time or day of the week. Great rates and first rate customer service. Thanks Ben.

Ben made our new home purchase so easy. His professionalism, expertise, and personal service are beyond compare. In my forty years of experience buying property he is by far the best.

Ben and his people were wonderful to work with. As soon as I filled out the paperwork and provided the necessary documents, Ben got to work. I was approved in a very short period of time. The escrow officer came to my home at night so I could sign the paperwork. I was kept informed throughout the process. Very professional all around!

So I found Ben while applying for a loan at Wells Fargo. While waiting for them to process my paperwork (only to find out that after they had ran my credit and wasted my time, that I was denied for not having 2 years of W2’s) a lady who was making a deposit gave me Bens phone number. Ben was AMAZING from the start! He answered his phone on the first ring and before meeting with him, emailed me a list of items to bring in before meeting with him. I don’t think I’ve ever called Ben and he didn’t answer his phone (even sometimes at 8 pm!). There are no words to describe how helpful and patient he was! It took me a while to find a place that I liked, and he would check in periodically to see how I was doing. When it was time to process a loan, he would update me DAILY on how things were going along. I’m a first time home buyer, and it was important to me to know what was going on and when it was going on. Not only was Ben there to walk me through the application and loan process, but he also got me the best rate and loan.

I was so impressed with Shelter Island Capital when we purchased our home. Several years later, when we needed to refinance, there was only one place to turn — Shelter Island Capital! Ben helped us through all the steps and made sure that we got through all of the hurdles flawlessly. Thank you Ben for your help.

If you want a loan at a great rate done at record speed call Ben. We had our lender finalized and our Realtor told me to call Ben to compare rates. I’m so glad we did. The rates were the same but the closing credits he got us saved us over $ 10,000! On top of it, he closed our loan in less than 30 days! Don’t make a mistake with possibly your biggest lifetime purchase — call Ben!

My husband Ryan and I started looking to purchase our first home with the Ghio Group, Point Loma. Joe Ghio works closely with Ben Murphy at Shelter Island Capital and presented Ben as part of his A Team in making our dreams come true! Last week they made good on their promise and we closed our first home in La Mesa, on time and under budget! Ben took us under his wing and proved to be very knowledgeable, helpful and treated us like family. He was always available and walked us through the loan docs as we were eager with many questions. We definitely recommend working with Ben and the Ghio Group!

I cannot say enough good things about Ben and his team. I recently purchased a second home in San Diego with a fairly complicated income situation. Ben went the extra mile to make sure that everything came together despite a number of setbacks. The rate I got was the best I had been quoted by quite a bit. Ben’s practical approach to everything took a lot of stress off of me — and his professionalism made the coordination with the lender and escrow a cinch.

I have nothing but great things to say about working with Ben and Greg on our mortgage refinancing. I was referred to Ben by my sister who worked with him when she purchased her first home and when she recently refinanced her mortgage. My original mortgage was through US Bank, but when my husband and I decided to refinance we had a really hard time getting anyone to call us back — they were really unresponsive. So I called Ben and he got the ball rolling immediately. The whole process moved very quickly and he was always available to answer questions. And best of all, he found us an AMAZING rate!!! We couldn’t be happier with our experience with Shelter Island Capital. I will definitely be calling Ben the next time we get a new mortgage or refinance our loan.

Ben Murphy, of Shelter Island Capital, provided outstanding service as we refinanced our home. He was knowledgeable, available, and supportive throughout this sometimes time-​consuming process. He kept us informed and stayed in front of the process throughout. I endorse him without reservation!

Ben at Shelter Island Capital is absolutely fantastic.
Back in July I was a first time homebuyer trying to buy a house after years of avoiding it because it seemed so daunting being a single woman to get into an unstable market. Ben was my rock. Most than anyone else on the team of people helping me through this process, Ben was there every moment I needed him. His communication was quick and clear (he knows I’m a text girl, not vm). Once I provided him with all the info he needed from me he ran with it and made me feel very supported. I am a tough customer with high expectations and he exceeded them every chance he got.