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We are Hayward Capital and We’re Here to Help

With over 45 years of combined experience in our industry, we are experts at it. We help people buy or refinance homes in the most friendly, efficient, and trouble-free way possible.

About Us

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 2 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 34 years of knowledge and experience. Our unwavering commitment to excellence, financial integrity, and proven track record make us one of the most respected mortgage companies in the industry.

We are 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.

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 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 return clients. Jared enjoys spending time with his wife and 2 children, surfing, skiing, golfing on his time off.

NIKI HAYWARD Vice President

Niki graduated University of California Irvine in 1999 with a double major in Psychology and Criminology. She started working for the family company after graduating from 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 grew up in So. Orange County CA. In 1987 Steve pursued a career in mortgage lending. In 1989 with his wife Jody, we founded Hayward Capital in San Juan Capistrano CA. 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, and excellent rates, backed by a great knowledge of the ever-changing programs. Steve is very proud of the company and the stellar reputation it has earned over the last 34 years.


Contact Us


28202 Cabot Rd, Ste. 300,
Laguna Niguel, CA 92677

(949) 248-8409

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