Timothy J. Gough, CMB NMLS# 68124, CEO, Bay Capital Mortgage Corp.

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Annapolis, MD
Timothy J. Gough, CMB NMLS# 68124, CEO, Bay Capital Mortgage Corp.

A Residential Mortgage Banker with over 35 years of experience. Contact Tim at 410-320-0852. Compan Company NMLS ID #39610. Visit www.nmlsconsumeraccess.org

A Residential Mortgage Banker with over 30 years of experience.

11/05/2026

Found a home you love, but wondering how the numbers would work? 🏡

With QuickQual, eligible Bay Capital Mortgage borrowers can explore different homebuying scenarios and make informed decisions without waiting for every calculation.

Already pre-approved? QuickQual puts helpful tools right at your fingertips:

✔️ Adjust purchase prices and down payments to explore different scenarios

✔️ See how changes could affect your estimated monthly payment

✔️ Review estimated closing costs and cash needed

✔️ Generate updated pre-approval letters when you're ready to make an offer

Because finding the right home should come with the confidence of understanding your numbers.

Already pre-approved with Bay Capital Mortgage? Ask your loan officer how to access your personalized QuickQual calculator!

Want to see how QuickQual works? Watch the borrower walkthrough here: https://7477951.hubspotpreview-na1.com/hubfs/QuickQual%20Media%20Toolkit/QuickQual%20Borrower%20Instructions.mp4

10/29/2026

Your homebuying journey involves more than finding the perfect house. It's also about understanding your finances, knowing where you stand, and feeling confident about your next steps. 🏡

That's where My Capital Connect comes in!

With My Capital Connect, you can:

✔️ Explore homes and better understand what you can afford

✔️ Monitor your credit and stay informed about changes

✔️ Track your savings, assets, and overall net worth

✔️ Get a clearer picture of your financial readiness for homeownership

Whether you're actively searching for a home or just starting to plan for the future, My Capital Connect helps you keep everything organized in one convenient place.

Ready to get connected? Download My Capital Connect and create your FREE account using the link below, or call your Bay Capital Loan Officer to get started!

🔗 https://tinyurl.com/eexedrn4

10/20/2026

10/19/2026

Absolute game changer!

10/14/2026

Your homeownership journey just got a little easier! 🏡

Meet My Capital Connect, your all-in-one app designed to help you make more informed decisions about your home and financial future.

With My Capital Connect, you can:
🏠 Search for homes that fit your goals
📊 Explore affordability and monthly payment estimates
📈 Monitor your credit and track your progress
💰 Keep an eye on your savings and net worth

Whether you're preparing to buy your first home or planning your next move, My Capital Connect puts helpful tools and resources right at your fingertips.

Ready to get started? Download My Capital Connect and create your FREE account using the link below: *

👉 https://tinyurl.com/eexedrn4

*This link gives you access to create your free My Capital Connect account. We recommend reaching out to us and connecting with one of our Loan Officers if you haven't already before moving onto the account creation process*

10/09/2026

House hunting can move quickly, and your financing should be able to keep up. 🏃‍♂️‍➡️

With QuickQual, eligible Bay Capital borrowers can explore different home-price scenarios, review estimated payments and closing costs, and generate updated pre-approval letters within their approved parameters.

It’s designed to give borrowers more flexibility and confidence as they navigate their home search.

Want to see how QuickQual works? Watch the borrower walkthrough here: https://7477951.hubspotpreview-na1.com/hubfs/QuickQual%20Media%20Toolkit/QuickQual%20Borrower%20Instructions.mp4

Have questions? Reach out to your Bay Capital Loan Officer to learn more!

08/03/2026

Congratulations, Nick! This is a well-deserved promotion and an exciting next step for both you and Bay Capital. Since joining us, you’ve brought energy, fresh ideas, strong leadership, and a real commitment to helping our loan officers grow and succeed. I thoroughly enjoy working with you and watching the impact you’ve already made.

I’m excited about where we’re headed and very pleased to have you helping lead the way. Congratulations!

We are proud to announce the promotion of Nick Thomas to President & Chief Production Officer at Bay Capital Mortgage!

Nick has been an incredible leader, mentor, and driving force behind our continued growth. His passion for fostering personal development, delivering exceptional service, and building a culture of excellence has made a lasting impact on our team and the mortgage professionals we serve.

In his new role as President & Chief Production Officer, Nick will continue leading our production strategy, supporting our loan officers, and helping drive the next chapter of growth for Bay Capital Mortgage.

Please join us in congratulating Nick on this well-deserved achievement. We look forward to the vision, leadership, and innovation he will continue to bring to our organization.

Congratulations, Nick! 👏

Visit whybaycapital.com to learn more about Nick's mission to support the Modern Loan Officer.

07/23/2026

Homeownership starts with understanding the full picture. 🏡📱

With MyCapital Connect, you can track your credit, monitor savings progress, and better understand your buying power; All in one place.

Whether you’re preparing to buy now or planning for the future, your journey starts here.

https://play.google.com/store/apps/details?id=com.baycapitalmortgage.mycapitalconnect

https://apps.apple.com/us/app/my-capital-connect/id6737073840

07/20/2026

Address

2553 Housley Road, Suite 200
Annapolis, MD
21401

Website

http://www.TimJGough.com/

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