Michael J. DeHaut Jr, Bay Capital Mortgage

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Annapolis, MD
Michael J. DeHaut Jr, Bay Capital Mortgage

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Please give me a call for a free credit analysis and rate quote. Direct 240-417-0591

NMLS #202640
Company NMLS #39610
www.nmlsconsumeraccess.com

With over two decades of experience in the mortgage industry, I am a seasoned professional dedicated to helping individuals and families achieve their homeownership dreams. www.michaeldehautjr.com I am a mortgage professional licensed in MD,DC,VA.I take much pride in working with my clients and making sure they are introduced to all products and guide them into the best program for their needs.

11/03/2026

Waiting for rates to drop? Watch this first.

Buy now or wait for rates to come down? It’s the question I hear most.

Lower rates don’t always make buying easier. When rates drop, more buyers jump back in, and more competition can push prices up. Trying to time it perfectly usually means waiting on something nobody can predict.

The best time to buy isn’t when rates are the lowest. It’s when your numbers and your goals line up. Does the payment fit your budget? Is it the right home for you? Start there.

20 years in, that’s the conversation I’d rather have with you.

DM me READY and let’s look at your numbers together.

Michael DeHaut, Jr. | NMLS #202640 | Bay Capital Mortgage NMLS #39610 | Equal Housing Opportunity

11/02/2026

Do you need 20% down to buy a home? No.

It’s the most common thing I hear, and it keeps a lot of people renting longer than they need to. Some loan programs ask for much less, and Maryland has down payment assistance programs many buyers have never heard of.

The real question isn’t “do I have 20%?” It’s “what do I actually need for my situation?” 20 years in, that answer is almost never what people expect.

No pitch. No pressure. Just a real answer.

DM me and let's talk.

Michael DeHaut, Jr. | NMLS #202640 | Bay Capital Mortgage NMLS #39610 | Equal Housing Opportunity

10/31/2026

Don’t let buying a home spook you. Let’s talk! 👻

10/29/2026

Life gets busy. Make time for the people who make you laugh, remind you what matters, and make life a little more fun.

Success means a lot more when you have good people to share it with. 🙌🏼

10/29/2026

ANNAPOLIS LIVING

WHAT IF YOUR NEXT CHAPTER CAME WITH A WATERFRONT VIEW?

Let's talk about making it happen.
What if your next chapter came with a waterfront view?

Morning coffee overlooking the water, evenings on the dock, and weekends that feel a little more like vacation.

That’s what makes living in Annapolis so special.

And if buying a home near the water is something you’ve been thinking about, don’t assume it’s out of reach before you’ve explored your options.

A conversation about financing is a great place to start.

Let’s see what’s possible.

10/27/2026

Maryland first-time home buyers: your credit score might not be what's stopping you.

Everyone blames credit. When I look at a mortgage preapproval, I'm looking at the whole picture:

1. Debt-to-income ratio (DTI): how much of your monthly income goes to debt payments.
2. Down payment, closing costs and reserves: the cash you need to close, plus what's left in savings after.
3. Income documentation: W-2, self-employed, commission and new jobs are each verified a different way.
4. New debt before closing: financing a car or opening a credit card mid-process can change your approval.

FHA, VA, USDA and conventional loans all have their own requirements, so there's no single magic number. The worst I'll tell you is "not yet."

Save this for when you start house hunting in Maryland.

Michael DeHaut, Jr. | NMLS #202640 | Bay Capital Mortgage NMLS #39610 | Equal Housing Opportunity

10/25/2026

A little reminder that life is not all business.🌅

10/24/2026

The best time to buy isn’t when rates are the lowest.

“Should I buy now or wait for rates to come down?”

It’s the question I hear most right now. Here’s the challenge: lower rates don’t always make it easier to buy.

When rates improve, more buyers jump back into the market. More buyers means more competition, and more competition can push prices higher.

So instead of trying to predict the perfect moment, focus on your own situation. Ask yourself:

Does the payment fit your budget?
Is this the right home for your family?

The best time to buy isn’t when rates are at their lowest. It’s when your numbers and your goals line up.

Not sure where you stand? DM me “OPTIONS” and I’ll walk you through what fits your budget.

Michael DeHaut, Jr. | NMLS
#202640 | Bay Capital Mortgage Corp. NMLS #39610 | Equal Housing Lender. For informational purposes only. Not a commitment to lend. Rates and programs subject to change.

10/22/2026

Rates are in the headlines again. Here’s what your clients actually need from you.

Mortgage rates are making headlines again as markets react to inflation concerns and uncertainty around the Fed’s next steps.

Rate movement can create hesitation, but real estate decisions are not made by rates alone. Buyers are still looking for homes, sellers are still making moves, and the clients with the right guidance are the ones who take action.

The biggest opportunity right now is helping clients understand their options instead of letting headlines decide for them.

For realtors, this is the time to become the trusted resource in your market:
Educate your clients
Stay connected
Show them that opportunities still exist when conditions change

Realtors, DM me and let’s talk about how we can help your buyers understand their options in this market.

Michael DeHaut, Jr. | NMLS #202640
Bay Capital Mortgage Corp. | NMLS #39610 | Equal Housing Lender

10/19/2026

Mortgage paperwork can eat up hours of your time. Yours doesn’t have to.

We just brought LiteSpeed by LenderLogix to Bay Capital, and here’s what that means for you:

✅ Apply on your own time

✅ Upload all your documents in one place

✅ No more digging through your inbox for bank statements

✅ More time focused on finding your home

If buying is on your radar this year or next, DM me and I’ll send you the link to get started.

Michael DeHaut Jr. | Loan Officer | NMLS #202640
Bay Capital Mortgage Corp. | NMLS #39610

📞 240-417-0591

Licensed in MD, VA, DC, DE, PA, WV, FL, NC, TN

mortgagetips

Address

2553 Housley Road Suite 200
Annapolis, MD
21401

Telephone

+14435573818

Website

http://www.michaeldehautjr.com/

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