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.

OPEN HOUSE THIS WEEKEND 10301 Huslia River Ave SAT. AUG 8 from 12-4pm - Built by Froehlich, beautiful 4 + 3!
08/06/2026

OPEN HOUSE THIS WEEKEND 10301 Huslia River Ave SAT. AUG 8 from 12-4pm - Built by Froehlich, beautiful 4 + 3!

Looking for a no hassle HELOC? We have the HELOC for you! Easy application process, lightening fast approvals and fundi...
07/29/2026

Looking for a no hassle HELOC? We have the HELOC for you! Easy application process, lightening fast approvals and funding in just days! You can apply on-line direct (scan code below) or contact me to get the process started for you. You're not alone, if you apply direct I am here to assist you with anything you might need.
Fico's as low as 620, loan amounts from 5k up to 5mil - don't wait, apply today!

When is the last time you looked at your mortgage loan, homeowners insurance, or credit score? It might be time to do so...
05/29/2026

When is the last time you looked at your mortgage loan, homeowners insurance, or credit score? It might be time to do some Spring cleaning to see if you can improve your finances and or credit. Contact me today and let's make sure things are in tip top shape!

Save thousands on your monthly mortgage payments for the first year of purchasing your home with a Lender Paid Rate Buyd...
05/28/2026

Save thousands on your monthly mortgage payments for the first year of purchasing your home with a Lender Paid Rate Buydown! Don't miss out on this amazing opportunity, lock in your rate by June 30th and find out how much you can save!

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

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

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