Nick Thomas

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Nick Thomas

Director of Business Development

nthomas@baycapitalmortgage.com

615-414-7943

NMLS# 42041

Nick Thomas is a veteran of the financial services industry, bringing nearly 30 years of experience—with over two decades rooted in the mortgage space. A gifted communicator and high-performance strategist, Nick has spent the last eight years as a National Sales Coach, working alongside hundreds of loan officers, sales leaders, and business owners to help them clarify their vision, grow their impact, and lead with purpose.

 

In his current role as Director of Business Development, Nick is focused on attracting top-tier talent, building strategic partnerships, and supporting loan originators with the tools, structure, and support they need to thrive in today’s market. He brings a proven track record in coaching, recruiting, and leadership development—leveraging real-world experience to deliver measurable growth and long-term success.

 

Nick is also the founder of Leadership Dynamic 360 (LD360), a leadership and consulting platform designed to reduce attrition and increase engagement by aligning people with their natural strengths and core values. He is certified in multiple assessment tools including DISC, Innermetrix, Crucial Conversations, and the John Maxwell Leadership Program.

 

Nick earned his degree in Business from Belmont University and lives in Nashville with his wife Casey and son Austin. He’s passionate about faith, family, fitness, and helping others maximize their potential—living each day with intention and impact.

We close on time, every time.


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.