Most biographies talk about the person and all of their accomplishments. But what you really want to know is "How can you help me?"

The mortgage process can seem overwhelming and sometimes even scary. The number one thing that my clients say is most important to them is good communication. That’s why I’ve always taken the time to explain the mortgage process, set proper expectations and – most importantly – listen to what they have to say about their needs.

No one person can do it all. And that’s why I've put together the most amazing team to support me – and when you work with me, you have my whole team supporting you, too. With over 47 years of experience in the mortgage industry, my team and I are well poised to ensure the process is as streamlined as possible, while efficiently dealing with the challenges that can come up during the mortgage process.

I am a 4th generation resident of Skagit County; in fact, I went to the same school that my grandparents did. I then graduated from Western Washington University with a B.A. in Business Administration and Computer Science, and I continue to live in the same town with my wife and twin boys in which I was raised.

Whether you are a buying your first home, upgrading to your dream home, or looking to restructure through a refinance, my team and I are here to help you.

Dean Hayes, Area Sales Manager
Bay Equity Home Loans

Phone: (360) 755-3689
Mobile: (360) 941-2111
Fax: (360) 404-7085
E-mail: dean@deanhayes.com

Burlington Branch
120 East George Hopper Road, Suite 112
Burlington, WA 98233


What started as a temp position has turned into a thriving, 18-year career for Esther Spence-Crabb. She joined a friend’s mortgage company to help out for a few weeks, and quickly found a passion for helping people become homeowners.


Esther’s processing background gives her insight into the entire loan process. She offers clear guidance at each step so clients know all their options and what to expect along the way. Her in-depth industry knowledge, impeccable loan management, and undeniable positivity are just some of the reasons customers, co-workers, and partners love working with her. “My goal is to make the process smooth, stress-free, and fun!” Esther says. “Homeownership is an amazing milestone, and I want everyone to enjoy the journey.”


Born and raised in Southern California, Esther has lived in Anacortes since 1999. She adores spending as much time as possible with her family and adorable pups. Esther also loves being outdoors; horseback riding, camping, and hiking are among her favorite activities. You can also find her curled up with a good book or knitting her latest one-of-a-kind creation. 
Esther Spence-Crabb
Mortgage Consultant
NMLS 117289 
Office: 360.929.0953

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