Owen Gerus- Mortgage Consultant, Bay Capital Mortgage

Owen Gerus- Mortgage Consultant, Bay Capital Mortgage I strive to build lasting relationship with clients.

My knowledge and expertise in the mortgage industry allow me to provide the best options to every individual.

12/15/2025

The Fed just cut rates again, but mortgage rates are not guaranteed to drop. The cut was expected, so a lot was already priced in.

The bigger story is the split vote and the Fed’s 2026 outlook, which suggests rates could dip and bounce instead of falling in a straight line.

If you are waiting for the perfect moment, watch for short windows of opportunity, not one big drop.

12/05/2025

Big update for 2026 homebuyers.

The new conforming loan limit is $832,750, which is up $26,250 from last year.
In high cost areas, the ceiling is now $1,249,125, almost 50 thousand more than before.

These limits decide how much you can borrow with a conforming loan which often means better pricing and easier guidelines compared to jumbo.

More room means more buying power in 2026.

11/17/2025

πŸ“’ Fannie Mae just made a big move.

Starting Nov 16, 2025, their Desktop Underwriter (DU) will no longer require a 620 minimum credit score.

That means approvals will consider your entire financial profile including income, assets, and overall loan structure, not just your score.

This could be a game changer for buyers with strong finances but lower scores.

And about that 50-year mortgage rumor? Still just talk for now.

🏠 Exploring mortgage options? Let's find the perfect fit for you! 🌟 Reach out to me today for personalized advice on cho...
09/05/2024

🏠 Exploring mortgage options? Let's find the perfect fit for you! 🌟 Reach out to me today for personalized advice on choosing the right mortgage. πŸ“

Owen Gerus
Senior Loan Officer
Bay Capital Mortgage Corporation
Office: 443-557-3828 | Cell: 443-422-9534 |
eFax: 443-458-0605
Company NMLS # 39610 | NMLS # 1905099 | baycapitalmortgage.com

Let's break it down together! πŸ’Ό Reach out to me today for expert advice on navigating the homebuying process. 🏑Owen Geru...
08/29/2024

Let's break it down together! πŸ’Ό Reach out to me today for expert advice on navigating the homebuying process. 🏑

Owen Gerus
Senior Loan Officer
Bay Capital Mortgage Corporation
Office: 443-557-3828 | Cell: 443-422-9534 |
eFax: 443-458-0605
Company NMLS # 39610 | NMLS # 1905099 | baycapitalmortgage.com

⏰ Wondering about the timeline for mortgage pre-approval? Let's shed some light on the process! 🌟 Reach out to me today ...
08/22/2024

⏰ Wondering about the timeline for mortgage pre-approval? Let's shed some light on the process! 🌟 Reach out to me today for personalized guidance and get started on your homebuying journey. 🏠

Owen Gerus
Senior Loan Officer
Bay Capital Mortgage Corporation
Office: 443-557-3828 | Cell: 443-422-9534 |
eFax: 443-458-0605
Company NMLS # 39610 | NMLS # 1905099 | baycapitalmortgage.com

πŸ“Š Curious how your credit score impacts your mortgage journey? πŸ’³ Reach out to me today for expert guidance on securing y...
08/15/2024

πŸ“Š Curious how your credit score impacts your mortgage journey? πŸ’³ Reach out to me today for expert guidance on securing your dream home. 🏑

Owen Gerus
Senior Loan Officer
Bay Capital Mortgage Corporation
Office: 443-557-3828 | Cell: 443-422-9534 |
eFax: 443-458-0605
Company NMLS # 39610 | NMLS # 1905099 | baycapitalmortgage.com

🏠 Wondering if prequalifying for a mortgage is worth it? For more information, contact us:Owen GerusSenior Loan OfficerB...
08/08/2024

🏠 Wondering if prequalifying for a mortgage is worth it?

For more information, contact us:
Owen Gerus
Senior Loan Officer
Bay Capital Mortgage Corporation
Office: 443-557-3828 | Cell: 443-422-9534 |
eFax: 443-458-0605
Company NMLS # 39610 | NMLS # 1905099 | baycapitalmortgage.com

Let's connect today and turn your dream home into a reality! For more information, contact us:Owen GerusSenior Loan Offi...
08/01/2024

Let's connect today and turn your dream home into a reality!

For more information, contact us:
Owen Gerus
Senior Loan Officer
Bay Capital Mortgage Corporation
Office: 443-557-3828 | Cell: 443-422-9534 |
eFax: 443-458-0605
Company NMLS # 39610 | NMLS # 1905099 | baycapitalmortgage.com

Ready to explore your options? Reach out to me today!Owen GerusSenior Loan OfficerBay Capital Mortgage Corporation Offic...
07/25/2024

Ready to explore your options? Reach out to me today!

Owen Gerus
Senior Loan Officer
Bay Capital Mortgage Corporation
Office: 443-557-3828 | Cell: 443-422-9534 |
eFax: 443-458-0605
Company NMLS # 39610 | NMLS # 1905099 | baycapitalmortgage.com

Prequalification πŸ†š PreapprovalReach out to me today for expert guidance and personalized mortgage solutions tailored jus...
07/18/2024

Prequalification πŸ†š Preapproval

Reach out to me today for expert guidance and personalized mortgage solutions tailored just for you! Let's get started!

Owen Gerus
Senior Loan Officer
Bay Capital Mortgage Corporation
Office: 443-557-3828 | Cell: 443-422-9534 |
eFax: 443-458-0605
Company NMLS # 39610 | NMLS # 1905099 | baycapitalmortgage.com

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07/10/2024

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Address

Columbia, MD
21045

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