Gerald Hayes

NMLS # 283054

559-917-9595

gerald@veromortgage.com

Gerald Hayes Loan Officer

Blog

4 Predictions for the 2021 Mortgage Market

4 Predictions for the 2021 Mortgage Market

The 2020 housing market surprised everyone by quickly bouncing back after slumping during the first few months of the coronavirus pandemic. What might the coming year hold as the country continues to fight its way through this crisis? The experts at the N

Jan 13, 2021 |

Mortgage Lingo 101

Mortgage Lingo 101

As a first-time home buyer, you will hear lots of words that you may not be familiar with. Just like every industry, the real estate market has its own lingo, and it can be confusing for newbies. Here is a list of the most common mortgage jargon to help y

Jan 06, 2021 |

Should I Pay Mortgage Taxes and Insurance on My Own?

Should I Pay Mortgage Taxes and Insurance on My Own?

When you buy a home or refinance, your lender will talk about setting up an “escrow” account. They may also refer to the charges in that account at “impounds.” If you are new to mortgage loans, you may not understand what these ter

Dec 30, 2020 | Mortgage Advice

Questions to Ask Your Mortgage Lender

Questions to Ask Your Mortgage Lender

Buying a home or refinancing usually involves taking out the biggest loan of your life. It's important to make sure you understand everything that goes into that mortgage and what will be required of you as a borrower. Here are the most essential ques

Dec 16, 2020 | Mortgage Conventional Loans

How Much of My Income Should Go to My Mortgage?

How Much of My Income Should Go to My Mortgage?

Back in the U.S. housing boom in the early 2000s, mortgage money flowed freely, with many borrowers being qualified for more loan than they could actually afford. When the housing bubble burst and the entire economy took a hit, those same home buyers ofte

Dec 09, 2020 | Interest Rates Preapproval Mortgage Advice

Is My Credit Score Good Enough for a Mortgage?

Is My Credit Score Good Enough for a Mortgage?

With interest rates near all-time lows, now is a perfect time to get a good deal on a mortgage. Of course, every refinance or home purchase loan has borrower requirements to be met, including a decent credit score. How do you know if your credit score is

Dec 02, 2020 |

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