PAT JENKINS
Apply now for a better mortgage experience with Bay Capital Mortgage
As a lifelong resident of Maryland, I am passionate about all that the state has to offer to current residents and new arrivals. Over a period of 28+ years, I have been involved in many types of lending including land development/construction, commercial real estate, and construction/permanent loans on both commercial and residential properties. In the last 15 years I have focused entirely on residential mortgages, assisting homebuyers throughout the Baltimore/Washington region to achieve their home ownership goals.
I am dedicated to putting my passion, knowledge and experience to work for you, first getting to know you and what is important to you, then throughout the loan process to the successful conclusion of your home purchase or refinance. I want you to be well informed, understand your options and feel at ease knowing that you are in good hands. I will work as a team with your realtor to ensure a smooth transaction, becoming a trusted financing partner for life!
In my free time, I enjoy traveling with my husband, two grown children and their families. As an active member of my community, I serve on the board of trustees for an independent school and participate in the fundraising efforts of CalvertHealth Foundation.
“I see my role as that of a trusted advisor and educator (and sometimes even therapist!)"
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.