CHRISTINA WILHARM

 

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CHRISTINA WILHARM

Senior Loan Officer

christina@baycapitalmortgage.com

410-991-6509

NMLS# 336183
MD NMLS# 336183
VA NMLS# MLO-9544VA

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.


FIND OUT HOW MUCH YOU CAN AFFORD

The following online calculators serve as helpful tools during the mortgage process.

Payment / Amortization Calculator

Calculate your monthly payment and see how the principal is paid over time.

 

Rent vs Own Calculator

Calculate the difference between renting and buying a home.

 

Annual Percentage Rate Calculator

Calculate the APR for fixed-rate or adjustable-rate loans.

 

Debt Consolidation Calculator

Determine if you can consolidate your debt by combining it with your home mortgage.

Prepayment Savings Calculator

Find out how soon you can pay off your mortgage by making a prepayment.

 

Early Payoff Calculator

Determine the additional monthly payment amount needed to pay off the loan sooner.

 

Refinance Break-Even Point Calculator

Find out how long it will take to "break-even" on a refinanced loan.

 

Tax Savings Calculator

Determine the estimated tax savings with a new loan.