Aaron Hoy - Capstone Home Loans

Aaron Hoy - Capstone Home Loans Aaron Hoy, Sr. Loan Officer - NMLS #115718. Equal Housing Opportunity. I have been in the mortgage industry since 2000. I am the oldest of seven children. S.

AZ BK 0906702
Licensed by the Department of Financial Protection and Innovation under the CRMLA
www.nmlsconsumeraccess.org I have helped hundreds families achieve their goal of home ownership. It brings me great pleasure to meet with clients face to face and to discuss not just mortgages, but their overall financial future. My goal is to help my clients fully understand how their home mortgage can

complement their long term financial goals. As a veteran who served proudly in the US Navy, it is rewarding being able to provide fellow Vets with home financing through the VA benefits program. Most lenders are intimidated by the program, but in today’s market, the VA mortgage loan benefit is one of the most compelling programs out there. With my background and loan experience, I make sure that all Veterans consider the option of using their VA benefit! I grew up in the Midwest in suburbs of south of Dayton, OH and lived there until the age of nineteen. In 1993, I joined the U. Navy and held the position of Photographer's Mate. I served four and one-half years on active duty and traveled to international ports of call on four continents including Aquila, Jordan; Bahrain; Bunbury, Australia; Dubai, United Arab Emirates; Hong Kong; Kuwait City, Kuwait; Mazatlan, Mexico and Singapore. Stateside, I was stationed in Everett, WA Pensacola, FL, and San Diego, CA and traveled to Hawaii several times. Out of all these ports, I enjoyed the city of Everett the best and made Washington state me new my home. In 1999 I married my wife, Jeanette. We have four lovely children, Zachary, Makenna, Katelynn and Lily. We currently live in Lake Stevens, WA. I enjoy traveling, camping, hiking, photography, skeet shooting and spending time with my family. I volunteer as a board member at The Everett Gospel Mission and as a Cub Scout Den Leader for 7 boys. NMLS # 115718

Getting ready to apply for a mortgage? One of the first steps is understanding your credit score—and gathering the docum...
06/08/2026

Getting ready to apply for a mortgage? One of the first steps is understanding your credit score—and gathering the documents that help paint a clear financial picture. 📝 From your ID to proof of income, being prepared can help speed up the process and avoid surprises. I’m here to walk you through every step and make financing your home as smooth as possible. Have questions? Let’s connect! 💬

A house becomes a home when it reflects the people who live there. 🏡✨ From favorite collections to meaningful keepsakes,...
05/30/2026

A house becomes a home when it reflects the people who live there. 🏡✨ From favorite collections to meaningful keepsakes, today’s design trends are embracing personality, comfort, and a little bit of nostalgia. The best spaces tell a story and make you smile every time you walk through the door. If you're dreaming about a home that's uniquely yours, send me a message and let's talk about making it happen!

From Gen Z to the Silent Generation, homebuyers today come from every generation.  Some are buying their first home, oth...
05/28/2026

From Gen Z to the Silent Generation, homebuyers today come from every generation. Some are buying their first home, others are moving up or downsizing, but all have one thing in common: they’re making a move that fits their life stage and financial picture. Curious what buying could look like for you? Reach out any time. I’m here to help.

From Gen Z to the Silent Generation, homebuyers today come from every generation. Some are buying their first home, others are moving up or downsizing, but all have one thing in common: they’re making a move that fits their life stage and financial picture. Curious what buying could look like for ...

Read the full article to stay in the know
05/22/2026

Read the full article to stay in the know

Your monthly payment is one of the biggest factors in determining how much home you can afford, and interest rates play ...
05/22/2026

Your monthly payment is one of the biggest factors in determining how much home you can afford, and interest rates play a direct role in that equation. When rates move higher, buying power can shift even if home prices stay the same. That’s why timing, strategy, and exploring different loan options can make a meaningful difference in your home search. Even in changing rate environments, there are often ways to structure a loan that still fits your goals and budget. Reach out to me and I can help you figure out what makes the most sense for your situation.

Your monthly payment is one of the biggest factors in determining how much home you can afford, and interest rates play a direct role in that equation. When rates move higher, buying power can shift even if home prices stay the same. That’s why timing, strategy, and exploring different loan option...

Housing starts fell 2.8% from March to April, with most of the decline coming from single-family construction. Building ...
05/21/2026

Housing starts fell 2.8% from March to April, with most of the decline coming from single-family construction. Building permits, a key indicator of future construction, rose 5.8%, driven largely by multi-family projects.

Housing starts fell 2.8% from March to April, with most of the decline coming from single-family construction. Building permits, a key indicator of future construction, rose 5.8%, driven largely by multi-family projects.

Buying your first home is exciting - but it can also be intimidating! These steps will help you feel more prepared, so y...
05/13/2026

Buying your first home is exciting - but it can also be intimidating! These steps will help you feel more prepared, so you can enjoy this major milestone. If you have any questions about this process, reach out anytime. I’m happy to help!

Buying your first home is exciting - but it can also be intimidating! These steps will help you feel more prepared, so you can enjoy this major milestone. If you have any questions about this process, reach out any time. I’m happy to help!

The homebuying journey can feel overwhelming at first, but it’s much more manageable when you break it down step by step...
05/01/2026

The homebuying journey can feel overwhelming at first, but it’s much more manageable when you break it down step by step 🏡✨ Having the right guidance along the way makes all the difference in keeping things smooth and stress-free. I’m here to help you understand your options, stay on track, and feel confident from start to finish. No matter where you are in the process, you don’t have to figure it out on your own. Send me a message and let’s get you started!

Address

3400 188th Street SW, Ste 101
Lynnwood, WA
98037

Opening Hours

Monday 9am - 6:30pm
Tuesday 9am - 6:30pm
Wednesday 9am - 6:30pm
Thursday 9am - 6pm
Friday 9am - 6:30pm

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