Bay Capital Mortgage - Brian Masterson

06/01/2026

(106 Reviews)
About Brian
I am a Licensed Mortgage Loan Officer. I have been helping families finance and refinance their homes for 28 years. Feel free to contact me for all of your mortgage needs. As a VA loan specialist, I have helped many active duty, as well as retired military relocate to Washington DC, Delaware, Maryland, Virginia, North Carolina, South Carolina, Georgia and Florida.

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Address
2553 Housley Rd.
Suite 200
Annapolis, MD 21401
Office
(410) 336-0806
Cell
(410) 336-0806
Fax
(866) 349-9406
Website
http://www.BayCapitalMortgage.com/BrianMasterson.html
Brian’s Reviews
4.93 Stars ∙ 106 Reviews
5/28/2026

Brian Masterson - An amazing, professional, compassionate mortgage lender
wendywfletcher from Severna Park, MD
Working with Brian Masterson with Bay Capital Mortgage was truly an exceptional experience from start to finish. Purchasing a home can be stressful and overwhelming at times, but Brian's compassion, professionalism, and guidance made the entire process smooth and reassuring.

Brian was always available to answer questions, explain every step clearly, and provide support whenever needed. His attention to details, responsiveness, and genuine care gave me complete confidence throughout my home-buying journey.

I sincerely appreciate the time, patience, and dedication Brian showed in helping me purchase my new home. I would highly recommend him to anyone looking for a knowledgeable, trustworthy, and compassionate mortgage professional.

Thank you, Brian, for helping me realize my dream of being a homeowner again.

Loan Status
Closed May 2026
Loan Type
Purchase
Interest Rate
Lower than expected
Close on time
Yes
Fees/Closing costs
As expected
30 year fixed
Conventional Loan
Brian Masterson Wendy, thank you so much for the very kind review. You did a great job preparing for the mortgage process and that allowed me to have your loan approved in 5 days. That take a or of pressure off of you,. We came with the perfect game plan for you. Glad to be on your team. I appreciate the 5 STAR REVIEW- Brian

Local mortgage banker with an experienced staff offering expertise in every area of mortgage lending, from purchase to refinance.

06/01/2026

It is a pleasure to help good people. Wendy was kind enough to share a review!

Brian Masterson - An amazing, professional, compassionate mortgage lender
wendywfletcher from Severna Park, MD
Working with Brian Masterson with Bay Capital Mortgage was truly an exceptional experience from start to finish. Purchasing a home can be stressful and overwhelming at times, but Brian's compassion, professionalism, and guidance made the entire process smooth and reassuring. Brian was always available to answer questions, explain every step ...
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Loan Status
Closed May 2026
Loan Type
Purchase
Interest Rate
Lower than expected
Close on time
Yes
Fees/Closing costs
As expected

05/08/2026

Ayrton and his family have been around a few years with me. I was able to time the market and secure a 5.75% interest rate which is fabulous in this market. They will be set for many years. I appreciate the trust my clients have in me.

https://www.facebook.com/share/p/14dP9fRKfZg/

Client trust means everything, and repeat clients are one of the greatest compliments we can receive. Congratulations to Brian Masterson on another wonderful testimonial from a returning client! 🏡✨

From helping with a cash-out refinance to securing competitive rates and guiding the process from start to finish, Brian continues to provide the level of care, communication, and dedication that clients remember and return to.

Thank you, Ayrton, for your kind words and continued trust in Brian and Bay Capital Mortgage!

05/06/2026

This month I am helping two families that thought there was no way possible they would ever be homeowners. I put them on a specific action plan and I am happy to report that on May 22, 2026 and May 29, 2026, both families will achieve their dream of home ownership. By sticking to the plan and keeping the faith I was able to get them over the finish line.

Celebrating our Senior Loan Officer, Brian Masterson, for his dedication to helping families find tailored mortgage solutions with expertise and care. Contact Brian for personalized assistance with your home financing needs.
NMLS # 334082
DC NMLS # MLO334082
MD NMLS # 334082
VA NMLS # MLO-21350VA
GA NMLS # 69932
SC NMLS # MLO-334082
DE NMLS # MLO334082
FL NMLS
NC NMLS # I-190414

05/01/2026

Great wisdom from President Qubein and Roy Williams

04/21/2026

Ayrton shared a review.

https://www.facebook.com/share/p/1B3hnHEM1H/

Mr. Masterson is phenomenal he is dedicated to the people he works with. He’s honest and works hard for them to ensure they are well taken care of and have everything they need. He walks you through the whole process step by step and is always there when you need him. I would recommend him to anyo...

03/27/2026

Kyle was kind enough to share his recent VA loan purchase experience. It is a pleasure to help veterans.

01/20/2026

This is what High Point University is all about!

https://www.facebook.com/share/v/1HUownMVsn/

01/11/2026

Kyle was kind enough to share a review. This was a 2nd purchase and our 3rd transaction.

https://www.facebook.com/share/p/1KHoRHAFHv/

This is the second time Brian Masterson has helped me secure a VA home loan, and once again the experience was outstanding. Brian is incredibly knowledgeable about the VA loan process and made everything smooth, clear, and stress-free from start to finish. He was always responsive, proactive, and to...

12/17/2025

The beauty of High Point University!