Emery W.

David and his team did an amazing job. The speed at which they worked directly led to our ability to get an offer accepted in a competitive market. David always ensured we understood the rates and fees associated with the mortgage and helped us make smart strategic financial decisions. David is a professional who cares deeply about his clients. He has my highest recommendation.

2017 Seattle Five Star Mortgage Professional Award

“This year’s Seattle Five Star Mortgage Professional award winners are announced in the January issue of Seattle magazine, and David Haley is among the winners! The Five Star award is presented to local professionals who demonstrate outstanding service to their clients. We receive nominations from local homebuyers and sellers, who evaluate professionals on the services they provide… Congratulations once again to David and all of our 2017 Five Star Mortgage Professionals!”

Dan Zdon
CEO, Five Star Professional

Click below to see Facebook post by Five Star Professional

Do Mortgage Credit Inquiries Affect Your Credit Score?

ISS_4567_00440-700x467When you apply for a home mortgage loan, your Mortgage Planner will check your credit score. This is reported to credit agencies as an inquiry and lets creditors know that you are considering taking on new debt. An inquiry can have a negative, but small, effect on your credit score. While still small, inquiries can have a larger effect if you have few accounts or a short credit history. However, inquiries are a mandatory part of applying for a home loan, so they cannot be avoided.

Inquiries made within a 45-day window are only recorded on your credit report as a single inquiry because creditors understand that you are only going to buy one home. This means that multiple lenders can check your credit as long as it is within 45 days of the initial inquiry. It is important to note that the 45-day window only applies to mortgage loans; credit card and other credit inquiries are processed separately.

When you check your credit on your own, it does not have an affect on your score. Before you apply for a home mortgage loan, you should request a credit report to dispute any errors that you see. Because resolving disputes could take longer than 45 days, this will avoid your lender having to submit two inquiries if there are errors on the original report.

For more information about mortgage credit inquires, click here.

When you are ready to purchase a home, I would love to talk to you about your home financing options. Call me today to set up an appointment!

Astrid O.

After working in the mortgage industry for a couple years right out of college, I thought I knew what a good loan officer was. Until I met David and his team. David Haley, Jan Salo, and team are so incredibly professional and customer service oriented it blows me away.

They have truly set the bar above their industry peers, or really any industry, to be honest. I never doubted for a second that I was in the right hands to take care of me and my transaction – with stellar, timely communication to boot!

David, in particular, has the heart of a teacher and coach. He always made sure I knew exactly what he was doing and why, while providing his recommendations on which loan programs to go with, while also making himself aware of and attentive to my concerns so we could make the right decision together.

I’m usually hesitant to refer friends and family to anything related to finances, but David and team have my full endorsement for both my loved ones and any future business I have.

Tristen J.

The service David provides is beyond excellence. He knows exactly how to explain things to you in ways you will understand. We are first time buyers so we needed the help understanding and he did just that. We were able to close on the house very rapidly thanks to him and his team!

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