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Brady Haye

Loan Officer

NMLS ID 1450053
Purchase Refinance

About Brady

Brady has been active in real estate lending in Des Moines since graduating from Buena Vista University in 2015. He joined the Key Mortgage Group because their mortgage platform aligned with his desire to put the needs of his clients first by offering great mortgage solutions combined with the best service in the industry. “I had a very specific vision of where I wanted to take my business, and what I needed in order to provide the best service for my customers and referral partners. It aligned perfectly with what Key Mortgage Group offers.” Brady takes the time to meet his clients and does an in-depth review of their home ownership goals. He educates them on the programs available so they can make an informed decision on the financing option that best suits their needs. He has experience working with a wide range of borrowers from first-time buyers to high net worth individuals. Brady has an unmatched passion and commitment to serving the needs of the local housing market. Brady resides in Johnston, where he loves spending time outside, golfing, and hanging out with friends. He is also very actively involved with his church, and their worship team. For a top-notch financial experience for your next home loan, call Brady today.

Contact Details

2370 NW 128th Street,
Urbandale, IA 50322

bhaye@homeside.com

712 830 0025

I am licensed in Arizona, Iowa, Nebraska.

  • A big thank you to Brady Haye and his team for helping us purchase our home! As first time homebuyers, we could not have asked for a better team to work with. We felt they truly went above and beyond to make our experience a great one. They were available to answer all of our questions and kept us informed and updated over the course of the closing, making it an incredibly simple and straightforward process for us! Thank you Brady and Homeside for making this big decision so easy and seamless! - Taylor P. from Urbandale, IA | Zillow Review

Homeowner Benefits

  1. Shelter and Security – Beyond fulfilling the basic need of shelter, owning your home provides added security that your shelter is in your control.
  2. Building Equity – Growing your equity increases your borrowing and purchasing power, building your future financial resources.
  3. Tax Benefits – Mortgage interest and property taxes are deductible! Dependent on your circumstances, additional tax breaks may be available as well.
  4. Good Long-Term Investment – Rather than paying for the use of someone else’s property, you are able to invest in your own with a high likelihood of profitability in the future.
  5. Creative Freedom – Homeownership comes with the added benefit of being able to make decisions about permanent changes to your home that renting does not. That pink door you’ve always wanted or that ultimate deck set-up you’ve been dreaming of can be yours.

For benefits specific to you, reach out to your loan officer today!

Dos & Don'ts of Home Buying

Avoid some of the most common pitfalls of the mortgage process. Here are a few tips to ensure a speedy process and smooth closing.

DO

  • Get preapproved. We don’t want you to fall in love with a house that’s out of your budget.
  • Inform us of any financial or employment changes.
  • Continue to pay your rent, mortgage and all monthly payments on time.
  • Maintain your current employment and income.
  • Keep a paper trail of important documents such as W2’s, tax returns, paystubs etc.
  • ASK QUESTIONS! We’re here to help and will never be too busy to respond to you.

DON’T

  • Go house shopping without knowing what you can afford.
  • Change or quit your current job.
  • Make major purchases such as furniture, new cars, boat, etc.
  • Make large cash deposits in your bank account other than your paycheck.
  • Plan a vacation during your loan process.
  • Apply for, pay off, max out or close any credit card accounts.

Mortgage Application Checklist

Ready to get started? Below is a list of documentation we’ll need to get started processing your loan.

-Two most recent and complete tax returns
-Two most recent W2s*
-Two most recent pay stubs
-Two most recent and complete bank statements
-A copy of your photo ID

*Self employed borrowers may need to provide additional documentation

Mortgage Acronyms

ARM: Adjustable-Rate Mortgage
CD: Closing Disclosure
CLTV: Combined Loan-to-Value
DTI: Debt-to-Income
DU: Desktop Underwriter
EMD: Ernest Money Deposit
HELOC: Home Equity Line of Credit
LE: Loan Estimate
LTV: Loan-to-Value
MIP: Mortgage Insurance Premium
PMI: Private Mortgage Insurance