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A married couple in a meeting with their home loan advisor.

We’re Here to Help!

Founded in 1989, Hayward Capital grew from a builder-based mortgage company to a consumer friendly mortgage operation. This family owned and operated company has funded over a billion dollars in loans. Since our clients only deal with principals of the company Hayward Capital is able to offer our clients unbeatable interest rates, unparalleled service, and over 25-years of knowledge and experience. Our unwavering commitment to excellence, financial integrity, and proven track record makes us one of the most respected mortgage companies in the industry.

We are a fully approved to service Fannie Mae, Freddie Mac, FHA, VA, and USDA. In addition, we actively participate in and become experts in state and local government loan programs.

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Meet the Team

Steve & Jody Hayward founded the company in 1989. Together they took a small, family-owned mortgage business and grew it to compete with major lenders. They were able to establish over 20 major homebuilder partnerships becoming their “preferred lender”. They were an extremely successful team who trained their two children, Jared and Niki who now run the daily operations.

Jared Hayward

President & Sr. Loan Officer

Jared graduated University California Irvine in 1996 with a major in Economics. He immediately started working in the family business and serviced over 10 home builder partnerships. In 2007, he changed his focus to existing home sales and refinances. His professionalism and level of service has earned him many referrals and returns clients. Jared’s reputation in the industry has led to him be approached by attorneys to act as an expert witness in mortgage legal cases. Jared enjoys spending time with his wife, surfing, skiing, golfing on his time off.

Niki Hayward

Vice President & Sr. Loan Processor

Niki graduated University California Irvine in 1999 with a double major in Psychology and Criminology. She started working for the family company after graduating college. Her attention to detail, organization, and understanding of the loan process has made her one of the premier loan processors in the business. When not working, Niki spends her time with her husband and three children.

Steve Hayward


Steve Hayward grew up in Tustin, CA. After college he went into the ski resort industry. He was Vice President and General Manager of June Mountain for 10-years. In 1980 he moved his family to South Lake Tahoe and he and his wife, Jody started up their own ski resort. They enjoyed raising their two small children in South Lake Tahoe while running a small, family friendly ski resort by the name of Echo Summit. After many years of owning Echo Summit they decided to get out of the ski resort industry and move back to Orange County. Steve pursued a career in mortgage lending. In 1989, Steve and Jody Hayward founded Hayward Capital in San Juan Capistrano. Their focus was residential lending to individual buyers as well as diversification into home builder partnerships. Their focus back then still holds true today-excellent customer service, excellent rates, backed by great knowledge of the ever-changing programs. Steve is very proud of the company and the stellar reputation it has earned over the last 25 years.

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