Bay Capital Mortgage Corp. - Full Service Mortgage Company

Since 1994, Bay Capital Mortgage Corp. (Bay Cap) has built a strong reputation as a top-tier mortgage banker, serving the lending needs of real estate professionals, builders, and individual homebuyers throughout the Mid-Atlantic and Southeast regions.

We are a full-service mortgage banker with an experienced staff offering expertise in every area of mortgage lending—from purchase to refinance. We offer a compelling proposition to high-producing, professional originators. When determining if a company is the right fit, a producer usually considers four pillars of company support: Product, Pricing, Compensation, and Execution. We do not believe that any one pillar should suffer at the expense of another.

I welcome you to check us out, “kick the tires,” and confirm that Bay Cap will assist in taking your career to the next level.

Tim joined Bay Capital in 2017 as Chief Executive Officer. Tim is responsible for creating, planning, implementing and integrating the strategic direction of the company. He is charged with leading the growth of Bay Capital throughout the Mid-Atlantic. Prior to Bay Capital, Tim served as Sr. Vice President for 1st Mariner Mortgage, a division of 1st Mariner Bank. Tim’s work is built upon three decades of mortgage banking experience with nationally recognized companies. After earning a B.A. degree in Economics at the University of Maryland in 1983, Mr. Gough entered the financial services industry and moved to the Annapolis area where he currently resides with his wife, Lori, where they raised three children.

Dan serves as President of the company. Starting in the mortgage business in 1986, Dan joined Bay Capital Mortgage Corp in 2011. Previously, Dan served as Vice President/Regional Production Manager with JP Morgan Chase and was responsible for mortgage lending in District of Columbia, Delaware, Maryland and Pennsylvania. Dan is a graduate of the University of Maryland and DeMatha Catholic High School where he volunteers as the Varsity Golf Coach.

Nick Thomas is a veteran of the financial services industry, bringing nearly 30 years of experience. 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 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.

Alberto holds the positions of Corporate Sales Manager and Director of the Hispanic Lending Division.

Beginning his career in 1991 as a loan officer, Alberto discovered a deep passion for assisting and educating originators on ways to grow their business and, more crucially, grow personally. With his vast expertise in the mortgage sector, he is well-equipped to support you in reaching your financial and personal growth objectives.

Whether you’re a novice loan originator, an experienced professional aiming to grow, seeking AI minded origination methods, or looking for a company with comprehensive local resources—or simply desiring a career shift—Alberto and Bay Capital Mortgage are here to assist you.

$1 Billion+ annual funding
Efficient origination to close process
Primary focus on purchase transactions
Streamlined decision making process
Experienced local support staff
100% electronic files portable anywhere
E-sign docs
48 hour origination to approval pr
Flexible/Agile- able to execute on last minute changes without delaying settlement
CD delivery on approval and not clear to close
Fully integrated online application
Automated income, employment and asset verification-> eliminating W2s, paystubs and bank statements

Loan Officer provided laptops
Encompass origination software
E-disclosure/ e-closings
Encompass pricing engine
Loan Officer web pages
In-house IT support
AllRegs • Product investor library
Product eligibility engine
Individual secure eFax
Paperless origination,processing,underwriting & closing
VOIP powered, mobile ready and always connected
Fueled by AI, driven by data, focused on getting your loan done right

Health and benefits
Policies and procedures
Training
Important updates
Archives
Underwriting Tips

Mortgage specific CRM system
Built in Video Enhanced marketing
Automated, re-targeted digital advertising platform
Personal, Co-Branded financial fitness App
Customized marketing support available
Personalized marketing print collateral
Social media campaigns
Weekly, monthly & quarterly marketing campaigns
Monthly e-newsletter & monthly magazines

Stay on top of the market with live bond alerts and more
Open house flyers
Marketing personalization with photo, logo and contact information
Stay front and center with prospects, past clients and referral partners
Daily market scripts for clients
Automatic content downloaded to your social medial sites
Loan Officer websites
XINNIX sales training
Value added monthly sales meetings
Onboarding campaign including: press releases, ads in publication, social media content and contact email blasts

20+ Investors to utilize
Fannie Mae seller
Jumbo, 203K, Reverse, FHA/VA, In-house Construction to Perm, Alt A, Bank Statement Program, State, County and Local Bond Programs, HomeStyle Renovation, etc.
In House Non-QM product
Underwriting help desk • Product support