ASM

NMLS# 223884

Bay Equity Home Loans Bay Equity Home Loans

Kathryn Pedersen, a Colorado native, has over 20 years of lending experience in all facets of lending. Her local experience gives her an understanding of Steamboat's unique real estate market.

Kathryn's genuine sincerity and concern for your needs, will ensure your mortgage experience is smooth and your expectations are exceeded.

Voted Best of the Boat for Best Mortgage Broker for 7 years running.

Read More

What Does the Term “Points” Mean?

Published 3 months ago

Recent Listings

Browse & Filter Property Listings

View All Listings
Andyjkennedy

Top notch!

"The power-team at Steamboat's Fidelity Mortgage, under the helm of Kathryn Pederson, went above and beyond expectation to insure that our refinance experience was smooth and successful! We always felt like every detail was being managed to the Nth degree, and we were in good hands - all done with a smile and a positive attitude. This is the 2nd time we've used Pederson and her team, and we recommend them to all our friends! CHEERS!"

5.0

Kdominkovics

Friendly & Professional

"Kathryn and the rest of the team were a pleasure to work with. They made the process easy, something I have not said much about any of my previous loan experiences."

5.0

Briansullivan1977

Great Team at Bay Equity

"Kathryn and her team at Bay Equity in Steamboat Springs represented everything you would want in a lender. Excellent communication, great inter-personal skills, always there to answer a question and were always our advocate. They landed us a loan with a great interest rate through a smooth and easy process. We are very thankful to have had the opportunity to work with them."

5.0

Katherine A.
Verified

"With our history of self-employment, we weren't sure we could get a home loan and figured it would be an extremely cumbersome and stressful process if we could. Kathryn and her team assured us that we could and made it 100x easier than we thought it would be. She also gave us some great local knowledge. We're so grateful we were referred to her and would 100% recommend!"

5.0

Zuser202106021629598

Super Friendly

"Kathryn and her team are super friendly. They are quick to respond to any questions you have. The team at Bay Equity is very clear on letting you know what kind of documents you need to send them and when."

5.0

Leslie H.

Quick & Easy

"Kathryn, Katie and there team are amazing. From Start to finish was easy and quick! They answered my questions quickly and there system to complete the process is streamline. I’ve used them 3 times now and will never use anyone else!!"

5.0

Grant M.
Verified

"We had a great experience working with Kathryn. Received a lot of good information throughout the process. They have an easy to use online system, helpful videos, text updates and are always available to answer questions. They were even able to close on our loan a week early to save us spending another week in a hotel!"

5.0

Jody C.
Verified

"These ladies were amazing and made the job of buying a home seem so easy. I recommended them to a friend who is buying a home and she said the ladies have been just as amazing for her, as well."

5.0

James E.
Verified

"This was our second time working with Kathryn and it was great. She and her team made the refinancing process quick and easy."

5.0

Iva V.
Verified

"Seamless process"

5.0

Morgan R.
Verified

"Kind demeanor, quick responses and clear communication."

5.0

Philip C.
Verified

"Kathryn and her team were very diligent in working with us to make sure the closing got done. Everything went smoothly, start to finish... no suprise’s."

5.0

Stefan M.
Verified

"Kathryn and her team were very responsive, efficient and friendly throughout the whole loan application and closing process."

5.0

Joanne P.
Verified

"Top notch service. Very responsive. Highly recommend."

5.0

Vincent R.
Verified

"Awesome experience"

5.0

Michelleburns401

Refinance was quick and easy!

"Our recent refinance was as quick and easy as possible! All our questions were answered promptly and we were able to do many parts virtually! We only wish we had done this sooner! I highly recommend her and her team!"

5.0

Dadowning9

Purchase of a new home? I do not understand this request.

"Kathryn and her staff were very helpful and patient. All questions were explained and they were efficient in helping us to obtain necessary information promptly. If my efforts were not successful, they would promptly follow through to completion."

5.0

Chayla R.

Thorough, Attentive, & Fast Responses

"Highlights: Kathryn & her team always responded to me quickly & gave me the time I needed to get all of my questions answered without feeling rushed. They kept me updated and when loan numbers changed they notified me immediately, ran different scenarios, and were able to save me a lot of money in the long run. Very grateful to them! Details: Kathryn & her team were very thorough on all of their numbers for my loan from the very beginning. Any changes or additions I requested they ran almost immediately so I could see updated numbers throughout the process. They even helped me estimate what my total monthly payments would be including utilities & HOA, not just the mortgage, so there were no surprises about just how much money would come out of my pocket every month. They also answered all of my questions promptly and thoroughly in language I could understand, often working on weekends to provide me the info I needed quickly. Furthermore, I had a unique situation in which the loan I was applying for (USDA) changed its rules & requirements (not related to Kathryn or her lending agency) in the middle of my application. I was lucky that it lowered my lender's insurance for the loan as well as the enrollment fee, but it did increase my down payment slightly. When Kathryn & her team saw this, they notified me immediately, and worked so that while the down payment increased some, they were able to lower my interest rate another 0.25%. This means I am actually saving a lot more money on my loan than we thought I would! So happy, satisfied, & grateful!"

5.0

Elishacolson

Wonderful

"Kathryn and everyone at Fidelity Mortgage were so great to work with. They made the process as smooth as possible! They were extremely helpful throughout the whole process."

5.0

Valshusband

Personable

"Dealing with Kathryn felt like she is your family member taking care of you. She was friendly and knowledgeable about everything. If I need to deal with mortgage again Kathryn is my gontobperson. Couldn't ask for a better outcome!!"

5.0

National Rate Averages

Calculated from actual locked rates from consumers nationwide. Powered by .

Conv. 15-Year Fixed

2.398%

-0.031

Conv. 30-Year Fixed

3.122%

-0.008

FHA 30-Year Fixed

3.198%

-0.022

Jumbo 30-Year Fixed

3.068%

-0.019

Average interest rate values are calculated from actual locked rates with consumers across more than 30% of all mortgage transactions closed nationwide. For more information on how these indices are calculated, read more.

Built on family and forward-thinking

Get Started

Let's discuss what your options are.

All products are subject to credit and property approval. Program terms and conditions are subject to change without prior notice. Other restrictions and limitations apply. The content here does not substitute for professional legal, securities, tax or accounting advice. This is not a commitment to lend. Terms, conditions, and programs are subject to change without notice.






Bay Equity LLC. Equal Housing Lender. This is not a commitment to lend or extend credit. Restrictions may apply. Rates may not be available at time of application. Information and/or data are subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states. Bay Equity LLC, 770 Tamalpais Drive, Suite 207 Corte Madera, CA 94925; NMLS ID#76988 | NMLS consumer access: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/76988




© 2021 Lender Launchpad. This is not a Government website. Lender Launchpad and its products are not endorsed by the Department of Veterans Affairs or the US Department of Housing and Urban Development. The content on this site is for educational purposes only and is not an advertisement for a product or an offer to lend. If you have questions about the loan officers featured within our lender directory, please visit the Nationwide Mortgage Licensing System & Directory for more information and to check their licensing status at https://www.nmlsconsumeraccess.org