• 			    Bay Capital Mortgage

The Perfect home is waiting for yoU

First time home buyer

grant programs available

VA Loan

no down payment required

reverse mortgage

you can buy a home W/ A REVERSE MORTGAGE

About Bill

Bill began his Mortgage Banking career in 1996 after closing a lucrative construction company. He now enjoys spending quality time with his wife Avril and their two boys. Bill also enjoys serving monthly at the Annapolis Lighthouse Homeless Shelter where he participates in cooking and serving the residents there.

Bill is consistently in the top 1% of loan originators at Bay Capital Mortgage for purchase transaction loans. Closing over 3000 loans and funding close to one billion in loans over his career, Bill and his staff have over seventy years of combined mortgage banking experience to help guide you through mortgage process.  

Bill and his staff take a professional, structured, and detailed approach to lending. Their single mission is for their clients to never look for another lender again. They believe this philosophy is the only approach they can take in this chaotic lending environment to ensure 100% client satisfaction.

One integral aspect to the success of Bill’s career has been his emphasis on creating honest and lasting relationships. Weekly updates, quick response times, knowledgeable answers and clear communication are the cornerstone of Bill’s dedication to supplying the best possible professional relationships. Instead of viewing it as an option, going the extra mile is always seen as a necessity to Bill and his staff. They would be honored to have the opportunity to help you with the financing of your next home. Contact Bill today to get started.   

Special Home Loan Program for College Graduates

Recent Articles

Here's Why Your Home Equity is Your Most Valuable Asset
A simple way to understand what home equity is is to think of it as the portion of your home that you truly own, that is, the value of your home not included in your current home loan. Home equity is what makes homeownership such a great investment. The opportunity to increase equity can be quite...
What's a Hybrid Loan and How It's Different Than a 30-Year Fixed Loan
Two common mortgage types that you've probably heard of are a fixed-rate and an adjustable-rate mortgage. A fixed-rate mortgage has a set rate for the whole life of the loan while an adjustable-rate mortgage, or ARM loan, usually begins with a lower rate than adjusts to a fixed-rate...
First-Time Homebuyers: Avoid These Mistakes!
Buying your first home is a thrill. Browsing homes online, daydreaming when driving through neighborhoods, and creating a Pinterest board to save remodeling ideas is great fun. But don't let the excitement of buying your first home cause you to make silly mistakes. Here are the most...
Housing Market Cools Making it Sizzling Time to Buy
If you’ve been on the fence about buying a home, we have some excellent news for you! Recent changes in the market have made it an ideal time to purchase a home. So what changes have occurred that make us so confident? Bidding wars have gone down significantly, even in the most...

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