Gary Pike AZ & GA Mortgage Advisor - Bay Equity Home Loans

Great news for borrowers! The Federal Housing Finance Agency (FHFA) is increasing loan limits, effective January 1, 2022!

Great News!!

FHA has announced they'll be raising conforming loan limits effective January 1, 2022 as well!

Getting pre-approved for a home loan with Bay Equity will allow you to put your best foot forward when searching for your new home. Be prepared. Contact Bay Equity today.

Enjoy the day!!

Happy Labor Day! You work hard. Let us help you find a home loan that works for you!

Let me know if I can help!

You've got enough on your plate. Let Bay Equity help you find the right home loan to fit your needs.

Always available to be of service to those who have served.

Would you like to learn more about your VA loan options? Visit www.bayeq.com to find a trusted Bay Equity loan officer near you!

Let me know if I can help.

Looking to make your backyard a personal oasis? A cash-out refinance may be a great option!

Always available.

Looking to purchase a new home? We want to help.

Let me know what I can do to help you.

Do you have all your ducks in a row? It's a great time for a mortgage checkup!

Yes - we have seen an increase in interest rates since January of this year... and this is largely due to the bond purchases which has the biggest impact on mortgage rates.

So, what does the future hold?

The Federal Reserve has a few levers with which to keep rates low in the economy until 2023.

Despite market movers that could drive mortgage rates higher, the Federal Reserve has promised it will maintain ‘easy money’ policies for the foreseeable future.

This is generally good news for mortgage shoppers.

The Fed has been working as a counterbalance to keep rates low even as the economy heats up.

The group currently purchases $120 billion in bonds per month, $40 billion of which are for mortgage-backed securities, the bonds that determine mortgage rates.

It’s also promised to keep the fed funds rate near 0% — which doesn’t affect mortgage rates directly but helps keep them in ‘low’ territory.

These actions kept mortgage rates at or near record lows over the past year.

Are they too laxed on inflation?

Inflation leads to higher bond yields — and mortgage rates will follow suit.

Investors bracing for higher inflation have already driven mortgage rates up from the 2s into the mid-3s.

The Fed is still willing to let inflation rise above its usual target of 2% in order to speed recovery — which is just beginning to ramp up.

In other words, don’t expect rates to fall back to early-2021 levels but by all means... the cost of borrowing on a mortgage is still very, very, LOW!!

With Spring comes growth and new beginnings! Think ahead by getting pre-approved for a home loan from Bay Equity.

Always here to help.

Let’s take a look to see what we can do!

Nature hikes are wonderful! Rates hikes are not. Let's chat about your home loan goals while rates are still low.

Ready to help you.

It's the first day of Spring!

Bay Equity's home loan formula equates to happy customers!

Favorite reading. Let’s see what we can do!!

Wondering if a refinance makes sense for you? We'd be happy to review your options. Visit www.bayeq.com to find a trusted Bay Equity Loan Officer near you.

Let your friend who have served know!

We do VA loans! Contact us for more info, or apply online today: www.bayeq.com.

Have you been hit by crazy winter weather this week? Storms like these are a reminder of the warmth and comfort of home. If you are looking to purchase a new home or refinance your existing home loan, Bay Equity is here to help.

Here for you!!

Looking to move out of the city or suburbs and into a rural home? Call us today to discuss your home loan options!

My team and I are always here for you!

If a new home loan is on your list of resolutions for this year, we can help! Whether you're ready to get pre-approved for a new home loan, or looking to refinance your existing home loan, Bay Equity will provide the knowledge and support to get it done!

Spread the word to your friends that are looking for a home.

The FHA is now permitting individuals in the DACA program to apply for FHA-backed mortgages!

Increase your quality of life this year with a new home loan from Bay Equity!

We're already half way through January! How are your resolutions going so far? If you resolved to get into a new home this year, or refinance your existing home loan, Bay Equity is here to help! Don't wait - contact us today to get started: www.bayeq.com.

Is 2021 the year you make the move to a new home? Bay Equity can help! Visit www.bayeq.com to find a Loan Officer near you.

This is it - 2020 is almost over. It's been a year to remember, to say the least. Why not end the year with plans for a new home loan? Contact us today about getting pre-approved now so you can start 2021 ahead of the game!

It's still a great time to refinance your home with Bay Equity! Contact us today to review your options. Find a location near you by visiting www.bayeq.com today!

At Bay Equity, we are dedicated to providing you with comprehensive, exceptional service. Visit www.bayeq.com to find a trusted loan officer near you.

Put a bow on 2020 with a new home loan! Visit www.bayeq.com to find a Loan Officer near you.

Loyally here to help with all of your home loan needs.