Apply now for a better mortgage experience with Bay Capital Mortgage
CHRISTINA WILHARM
Senior Loan Officer
christina@baycapitalmortgage.com
410-991-6509
After attending Johns Hopkins University, Christina began working as a mortgage banker in June, 2001. She joined Bay Capital Mortgage Corp in 2011, selecting this company because the in-house underwriting, processing and closing, and all-around excellent staff allow her to efficiently close many types of loans in order to meet all of her clients’ needs.
Christina specializes in helping first-time homebuyers, loves working with people, and finds joy in helping her clients get into their dream house. She also has many years of experience working with homeowners to refinance in order to shrewdly improve their financial situation. At Bay Capital she has access to hundreds of mortgage programs, and the expert knowledge to match each client with the program ideally suited to their needs.
Beyond the mortgage business, Christina has been active for many years in live music and theater, and helps produce charity events in the community several times a year.
"Christina always got back to us quickly. Her personality is always kind and she is very professional"
- Aaron K.
The following online calculators serve as helpful tools during the mortgage process.
Calculate your monthly payment and see how the principal is paid over time.
Calculate the difference between renting and buying a home.
Calculate the APR for fixed-rate or adjustable-rate loans.
Determine if you can consolidate your debt by combining it with your home mortgage.
Find out how soon you can pay off your mortgage by making a prepayment.
Determine the additional monthly payment amount needed to pay off the loan sooner.
Find out how long it will take to "break-even" on a refinanced loan.
Determine the estimated tax savings with a new loan.