Bay Equity

Dean Hayes



Phone: 360-755-3689
Mobile: 360-941-2111
Fax: 360-404-7085


 Dean Hayes- Area Sales Manager at Bay Equity


Dean Hayes has over 20 years of experience within the real estate industries. With several products to offer, Dean and his team can assist in finding the right loan for you.


These are the programs that Dean can offer help with:

  • Conventional financing to 3% down with 620 scores
  • FHA financing · 3.5% down with 580 scores
  • VA financing · 0% down with 600 scores
  • USDA financing · 0% down with 620 scores Construction financing · One-time-close construction · 3.5% down with 620+ scores · 5% down with 600 to 619 scores 
  • Jumbo loans (above $417,000 in Island County) · 10% down with 680 scores and no mortgage insurance · · Stated income loans for self-employed borrowers · Up to 70% LTV with 700 scores Private money · For unusual circumstances, quick closings or short term financing · Requires at least 30% equity for most programs 
  • Misconceptions about Down Payments



Dean Hayes is a Senior Mortgage Planner with over 20 years of experience in real estate industries. Dean specializes in working with first time homebuyers, and he is known as one of the area’s construction financing experts. Well known and routinely acknowledged for excellent communication skills with his clients, Realtors® and others involved in the financing process. Dean is a member and position holder of many boards and committees, holding many awards throughout his career, he has proven to be very active within the business community.

  • Associate Appreciation Award - BIAW - 2010

  • Affiliate of the Year – NPSAR - 2009 & 2004

  • Affiliate of the Year - Washington Realtors® - 2009

  • Associate of the Year – SICBA – 2007

  • NPSAR Communications Committee – 2004-present

  • NPSAR Education Committee – 2009-present

  • SICBA board of directors – 2008-2011

  • BIAW board of directors – 2010-2011

  • Chair of SICBA Home Tour - 2006-2011

  • Burlington Mid-Day Rotary president – 2010-2011


 What people are saying about Dean Hayes:


“Dean at (Bay Equity), he’s great. He was working with me even after the purchase. I can’t recommend him enough to anybody!"

-James Mustoe


“Mr. Dean Hayes and Team, We just wanted to thank you and express our sincere gratitude to everyone that worked to get us our dream home. We know that everyone worked long hours. They certainly went above and beyond the call of duty! You TRULY care about the people, you all showed great effort in getting us this home. Your kindness will be rewarded by God ALMIGHTY! We will recommend Bay Equity for anyone wanting to purchase their dream home. ”

-Scott and Janet Meyer