EDDIE RICE
Apply now for a better mortgage experience with Bay Capital Mortgage
Our loan officers have years of experience assisting homebuyers and owners with residential financing. We take pride in providing exemplary service to our clients by offering options and finding the best loan program designed to fit their specific needs.
In addition to our dedication to clients, our employees are also actively involved in the community, specifically with organizations that may help shape our industry to better serve our customer.
Since 1994, Bay Capital Mortgage has offered a wide spectrum of mortgage programs to include FHA, VA, Rural Development, Conventional, Jumbo, Construction and Rehabilitation loans and reverse mortgage. We believe in treating our clients like family; that’s why we do most of our business by referral and we’re always here to lend a helping hand.
"We close on time, everytime
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.