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Ready to Start
Your Homeownership Journey?
I'm Ryar.
Your Mortgage Advisor.

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.
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Ryar Hayward

Division President
ryar@MajorMtg.net
NMLS # 11674
  • (970) 270-7949
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Helpful resources and guides

Major Mortgage Buyers Guide

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Guide To Homeownership

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Roadmap To Buying A Home

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Whether you're looking to buy, refinance, or grow your real estate portfolio, we've got you covered with the right loan products to fit your needs.
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Where Can We
Help You Thrive?

Are you looking to buy your first home? Need help managing your mortgage payment? Trying to figure out how to afford that renovation? Whatever your situation, we've got the answers.

The answers to all your
mortgage questions...

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.

McWay Falls is an 80-foot-tall waterfall on the coast of Big Sur in central California that flows year-round from McWay Creek in Julia Pfeiffer Burns State Park, about 37 miles south of Carmel, into the Pacific Ocean. During high tide, it is a tidefall, a waterfall that empties directly into the ocean

A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.

Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.

Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.

The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
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