Christine Hayward, NMLS #261465

Christine Hayward, NMLS #261465 Christine Hayward NMLS: 261465
Secure Choice Lending NMLS 1689518 I've been in Bakersfield since 2007, born in Glendale, CA and grew up in Oxnard, CA.

I am a dedicated mortgage professional who is passionate about helping individuals and families navigate the financing process for a new home, rental property, and more! I have two wonderful children, a great daughter-in-law, and a beautiful little granddaughter. I love outdoor sports, water skiing, hiking, camping, dirt bike riding. I love to cook and bake. I love animals of all kinds, I have two dogs and 6 kitties, and have rescued and rehomed countless precious animals.

Get a Fresh Start! Clear out all those credit cards and personal loans by consolidating them into one loan and payment....
04/10/2026

Get a Fresh Start! Clear out all those credit cards and personal loans by consolidating them into one loan and payment. Let's find out which is best for you, a refinance or a 2nd loan! It's time to begin anew!

Looking to invest in rental property but traditional income qualifying is not working for you? Look no further! DSCR (D...
04/08/2026

Looking to invest in rental property but traditional income qualifying is not working for you? Look no further! DSCR (Debt Service Ratio) allows for Investors to Qualify using the Cash Flow from the subject property! No income documents needed! Down payment as low as 15% for Single Family Homes and NO MIP required!!! Call me today to learn more!

Are you Self-Employed and looking to purchase or refinance your home, your 2nd home, or an investment property but using...
04/08/2026

Are you Self-Employed and looking to purchase or refinance your home, your 2nd home, or an investment property but using tax returns just won't work? The Bank Statement program may just be what you're looking for. Fast and easy loan processing, minimal documents needed. Contact me today to learn more!

03/25/2026

Wow - how cool is this!

RATES IN PERSPECTIVE: Rates have climbed since March 1, and today they’re sitting around 6.3%–6.35% depending on things ...
03/25/2026

RATES IN PERSPECTIVE:

Rates have climbed since March 1, and today they’re sitting around 6.3%–6.35% depending on things like LTV, FICO, and overall scenario.

But here’s the part a lot of people miss:

A year ago today, rates were nearly a half percent higher — around 6.78%–6.8%.

So yes, we’ve seen a recent bump up… but zoom out and we’re still in a better spot than we were a year ago. That matters.

Recent rate movement was largely tied to the Fed meeting and continued concerns around inflation. While there was some expectation they’d focus heavily on geopolitical issues, that really wasn’t the main takeaway. Instead, the bigger pressure point came from comments around core inflation and the lingering effects of tariffs.

That’s what pushed the 10-year Treasury higher… and mortgage rates moved with it.

Still, let’s not forget:
Over the last 3 years, we’ve seen rates over 7% and even 7.5%.

So while 6.3% may not feel amazing compared to the recent dip into the 5s, it’s still not a bad market snapshot in the bigger picture.

Right now, the market is in wait-and-see mode.
If inflation cools, oil settles, and there’s an off-ramp to some of the uncertainty, the market can react fast and in the right direction.

For now: stay informed, stay ready, and don’t lose sight of the bigger trend. 📊

Questions about what this means for buying, refinancing, or timing the market? Send me a message.



message by Mark Hossler, CEO Secure Choice Lending

Calling all Medical Professionals - Buy your new home with 100% financing - that's 0 down, and NO Mortgage Insurance, Fi...
03/24/2026

Calling all Medical Professionals - Buy your new home with 100% financing - that's 0 down, and NO Mortgage Insurance, Fico score just 680! Apply on line or over the phone for a quick process! Email me today for more details:
[email protected].

OPEN HOUSE SUNDAY AUG 3, 1pm - 4pm - Welcome to the Four Seasons, Resort-Style Living in a Premier 55+ Community! Don't...
08/01/2025

OPEN HOUSE SUNDAY AUG 3, 1pm - 4pm - Welcome to the Four Seasons, Resort-Style Living in a Premier 55+ Community! Don't miss out on this very spacious 2 + 2 beautiful home!

Had a great day for Jon’s birthday at Top Golf in El Segundo then dinner in Santa Monica at Din Tai Fung!! Top Golf was ...
07/06/2025

Had a great day for Jon’s birthday at Top Golf in El Segundo then dinner in Santa Monica at Din Tai Fung!! Top Golf was a blast and dinner and dessert were amazing!!!!

Land of the free, because of the brave! Let’s talk about how you can break free from renting. Happy from the ! 🇺🇸
07/04/2025

Land of the free, because of the brave! Let’s talk about how you can break free from renting. Happy from the ! 🇺🇸

Why work with a when financing your home? 📍 They are familiar with the local and have access to loan programs that c...
07/01/2025

Why work with a when financing your home?

📍 They are familiar with the local and have access to loan programs that can be tailored to your exact needs.
🤝 Developing a relationship with a local lender can be extremely beneficial. You can get to know them on a personal level and ensure that you are working with someone who is trustworthy and reliable.

Both of these things can help make the experience smoother and more successful!

Today marks - at its heart, a day of celebration of the journey and freedom of the Black community in the United State...
06/19/2025

Today marks - at its heart, a day of celebration of the journey and freedom of the Black community in the United States.

Let us use this time for reflection and rejoicing. It is a time for assessment, self-improvement, and for planning the future.

Address

3512 Coffee Road
Bakersfield, CA
93308

Opening Hours

Monday 8:30am - 6pm
Tuesday 8:30am - 6pm
Wednesday 8:30am - 6pm
Thursday 8:30am - 6pm
Friday 8:30am - 6pm
Saturday 10am - 2pm

Website

Alerts

Be the first to know and let us send you an email when Christine Hayward, NMLS #261465 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share