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

Address

Columbia, MD
21045

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