Dean Hayes

Area Sales Manager

MLO ID# 114235

120 East George Hopper Road
Suite 112
Burlington, Washington 98233

Most biographies talk about the person and all of their accomplishments. But what you really want to know is "How can you help me?"

The mortgage process can seem overwhelming and sometimes even scary. The number one thing that my clients say is most important to them is good communication. That’s why I’ve always taken the time to explain the mortgage process, set proper expectations and – most importantly – listen to what they have to say about their needs.

No one person can do it all. And that’s why I've put together the most amazing team to support me – and when you work with me, you have my whole team supporting you, too. With over 53 years of experience in the mortgage industry, my team and I are well poised to ensure the process is as streamlined as possible, while efficiently dealing with the challenges that can come up during the mortgage process.

I am a 4th generation resident of Skagit County; in fact, I went to the same school that my grandparents did. I then graduated from Western Washington University with a B.A. in Business Administration and Computer Science, and I continue to live in the same town with my wife and twin boys in which I was raised.

Whether you are a buying your first home, upgrading to your dream home, or looking to restructure through a refinance, my team and I are here to help you.

Let me know if you should have any questions.


Home-buying by numbers


Your monthly mortgage
Estimate includes principal and interest only. It does not include taxes and insurance. Talk to a loan officer for specific calculations.


What’s your monthly payment?

Estimate your monthly mortgage with this home loan calculator. Just remember, your results are only estimates.

Contact me and I can get you an official figure. I’m here to help.

Conforming Loan Limits for 2019

The maximum loan amount that one can borrow and have their mortgage backed by Fannie Mae or Freddie Mac is set to increase in 2019.

Need some help?

Here you’ll find a number of different downloadable PDFs, PowerPoints and other important documents to help make your loan process that much smoother!


What people are saying

We weren’t sure we could even buy a house, let alone a place we would actually want to live. Dean and his team made the qualification process simple and spent the time to explain what was going on and why FHA was the best option for us. They handled the process beautifully and made sure we knew what was happening every step of the way. Thank you!
- Friday, Burlington WA
amazing communication, really simple process, super friendly and almost as excited as we were for our new home
- Cindy, Stanwood WA
The people at Bay Equity are great - simple as that. Not only are they extremely knowledgeable in the work they perform, they are very pleasant to work with. They told me about each and every step of the process, and made it so easy, there was very little to for me to do. Not only was the communication great, they provided encouragement and a positive vibe the entire time. They kept me informed the entire way, and I am absolutely pleased to have worked with them.
- Harold, Custer WA
The people at Bay Equity are great - simple as that. Not only are they extremely knowledgeable about the work they perform, they are just great to work with. They made the whole process extremely easy - they did all the work! I have absolutely no problem encouraging anyone to do business with them - you will not be disappointed.
- harold