Bay Capital Mortgage Corp.

Bay Capital Corp. is headquartered in Owings Mills, Maryland and is a full service retail and wholesale mortgage lender. They are licensed to operate in 45 states. Founded in 2000 by loan officers with their roots in the 70’s bay Capital has specialized in the sub-prime market. Today, Bay Capital Corp. has an executive team with over 100 years combined experience and over 250 employees. The corporation offers a wide variety of conventional, Alt-A and sub-prime products. In fact Bay Capital’s product range covers almost every loan product available in the marketplace, so they can provide solutions for almost any lending situation.

Bay Capital has lending solutions for unique situations. When the client fills out his application with Bay Capital Mortgage, the detailed information provided by the client will assist the Bay Capital loan professional in determining what type of loan will best suit the customer’s needs. The Bay Capital representative will need to know the purpose of the loan and the amount of time during which the loan will be held. This will aid in determining whether a fixed rate loan or an adjustable rate loan best fit’s the clients needs. The term of the loan has also to be determined. This is the amount of time it will take to pay off the loan. The shorter the term, the faster the equity will build, but the higher the payments. A Bay Capital loan representative can help find the right term for his client. Rate and points will be explained by the Bay Capital loan consultant as well, but they do hinge on the clients credit score. A low credit score doesn’t mean that a funding options can’t be found, however. Bay Capital specializes in sub-prime loans. Once the property is appraised and the loan is sent to the underwriting department, a Bay Capital underwriter will examine all the documents and an approval will be issued. Bay Capital will explain the closing process and costs, the documents will be signed and the customer will have his new loan.

Loans offered by Bay Capital Mortgage Corp :

  • Purchase Loans
  • Refinance Loans
  • Debt Consolidation
  • Self-Employment Options
  • Imperfect Credit Options
  • Vacation Home and Investment Property Financing
  • Conforming Loans
  • Jumbo Loans
  • FHA and VA Loans
  • High Loan to Value Options
  • Stated Income Loans
  • Second Mortgages
  • Construction/Rehab Loans

Bay Capital’s prospective clients can fill out a preliminary application online, call for a free consultation or get in touch with a loan professional by e-mail.

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