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.

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 th

eir 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

The MBS Highway National Housing Index continued its downward trend in September, falling from 27 in August to 22. The i...
09/08/2026

The MBS Highway National Housing Index continued its downward trend in September, falling from 27 in August to 22. The index has now declined for four consecutive months after reaching a seasonal high of 47 in May. Both buyer activity and home price direction weakened from the previous month.

The MBS Highway National Housing Index continued its downward trend in September, falling from 27 in August to 22. The index has now declined for four consecutive months after reaching a seasonal high of 47 in May. Both buyer activity and home price direction weakened from the previous month.

Your credit score can play an important role when preparing for major financial goals, including buying a home. Small, c...
08/27/2026

Your credit score can play an important role when preparing for major financial goals, including buying a home. Small, consistent steps like making payments on time, keeping credit card balances manageable, paying down debt, and reviewing your credit report can help strengthen your credit profile over time. Building healthy credit habits today can put you in a better position for future opportunities.

Your credit score can play an important role when preparing for major financial goals, including buying a home. Small, consistent steps like making payments on time, keeping credit card balances manageable, paying down debt, and reviewing your credit report can help strengthen your credit profile ov...

A first home. A growing family. An empty nest. A new beginning.The milestones may look different for everyone, but one t...
08/26/2026

A first home. A growing family. An empty nest. A new beginning.

The milestones may look different for everyone, but one thing stays the same: your home should fit your life.

If your circumstances have changed, it may be time to revisit your mortgage strategy and explore opportunities you haven't considered.

Because life changes. And your financial strategy should evolve with it. Let's talk!

http://www.aaronhoy.com

Your first home was about getting started.Your next home may be about creating space for what comes next.More room for f...
08/24/2026

Your first home was about getting started.

Your next home may be about creating space for what comes next.

More room for family.
More room for hobbies.
More room for guests.
More room for the life you're building.

If you've been wondering whether your current home still fits y

http://www.aaronhoy.com

We're settling a fun debate today... 🎮 Which video game character would you want as your best friend? Drop your pick in ...
08/21/2026

We're settling a fun debate today... 🎮 Which video game character would you want as your best friend? Drop your pick in the comments! 👇

http://www.aaronhoy.com

Less paperwork. Less stress. More time to focus on what matters. Title Advantage may help simplify part of your refinanc...
08/19/2026

Less paperwork. Less stress. More time to focus on what matters. Title Advantage may help simplify part of your refinance and potentially lower costs. Let's talk about your options!

http://www.aaronhoy.com

Summer isn't about the calendar. It's about the moments that stick - the ones you'll still be talking about at Thanksgiv...
08/17/2026

Summer isn't about the calendar. It's about the moments that stick - the ones you'll still be talking about at Thanksgiving.

Windows down. Feet up. No agenda but the road ahead.

What's a memory you made in flip flops this summer?

http://www.aaronhoy.com

Popsicle or ice cream - which one wins summer for your family? Comment below and let's settle this once and for all. htt...
08/14/2026

Popsicle or ice cream - which one wins summer for your family? Comment below and let's settle this once and for all.

http://www.aaronhoy.com

The 20% down payment rule isn't the rule anymore. Many buyers purchase a home with far less. The best first step isn't s...
08/12/2026

The 20% down payment rule isn't the rule anymore. Many buyers purchase a home with far less. The best first step isn't saving more, it's understanding what's actually available to you. We're happy to walk through the numbers.

http://www.aaronhoy.com

Freelance income. Multiple jobs. Bonuses and commissions. If your income doesn't fit in a neat box, you're not alone, an...
08/10/2026

Freelance income. Multiple jobs. Bonuses and commissions. If your income doesn't fit in a neat box, you're not alone, and it doesn't have to be a dealbreaker. Mortgage options have evolved. Let's see what fits your situation.

http://www.aaronhoy.com

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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