Molly Hayes

NMLS # 2622371

360-461-5405

Molly@bayfieldhomeloans.com

Molly Hayes Loan Officer

Blog

Need Help with a Down Payment? A HomeReady Mortgage Might Be Right for You

Need Help with a Down Payment? A HomeReady Mortgage Might Be Right for You

If you are itching to get into homeownership but don’t have much of a down payment saved or much of a credit history, you might think you’ll just have to wait. However, through its sponsored entities like Fannie Mae, the U.S. government has created mortga

Jan 26, 2023 | Purchasing a Home

What is the Difference Between a Mortgage Interest Rate and the APR?

What is the Difference Between a Mortgage Interest Rate and the APR?

As you start applying for a mortgage loan, you will probably hear the terms “APR” and “mortgage interest rate” a lot from lenders. What do these mean, what is the difference between them, and how do they affect your home loan? Mortgage Interest Rate When

Jan 24, 2023 | Interest Rates

2023 Conforming Loan Limits Jump $79,000, Giving Borrowers Plenty of Mortgage Options

2023 Conforming Loan Limits Jump $79,000, Giving Borrowers Plenty of Mortgage Options

Last week the Federal Housing Finance Agency (FHFA) announced the new conforming loan limits (CLL) for mortgage loans in 2023 and based on U.S. home price growth, they are increasing to 12% for the coming year. The new conforming limit will be $726,200 fo

Jan 19, 2023 | Purchasing a Home

Your Mortgage Closing Checklist

Your Mortgage Closing Checklist

You’re in the home stretch: you’ve found a great home, made an offer and been accepted. You’ve gone through the home inspection appointments and resolved any issues and now you’re waiting for the mortgage underwriting process to wrap up before you finally

Jan 17, 2023 | Purchasing a Home

Can I Build a House with a VA Loan?

Can I Build a House with a VA Loan?

If you are an active-duty or retired service member, you are likely familiar with the many benefits of buying a home with a VA loan. The Department of Veterans Affairs guarantees mortgage loans that have some of the best rates and terms on the market. But

Jan 12, 2023 | VA Loans

Choosing the Best Type of Refinance Loan

Choosing the Best Type of Refinance Loan

If you are ready to refinance your current loan, there are actually several types to choose from. The right one for you will depend on your purpose for getting a new loan and your eligibility for specialty programs. Here are the most common types and how

Jan 10, 2023 | Refinancing a Home

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