Brian Masterson - Bay Capital Mortgage Housley Rd, Annapolis

I have refinanced my current home several times, each previously with Rocket Mortgage. But this time, and, I expect, the last time I went with Brian Masterson at Bay Capital Mortgage. And, by far, this time was the best experience. Not only did I get a great low rate, but I got plenty of personal service that allowed me to get all my questions answered clearly and quickly, thus eliminating any and all of the types of anxiety I had experienced with my previous refinances. Brian also provided excellent financial advice that allowed me to minimize my costs and actually get back some very effective cash flow relief. His closing team at Bay Capital also did a great job - closing on time in about 30 minutes - no questions or surprises. I highly recommend Brian and Bay Capital Mortgage.

Brian was extremely helpful and a delight during my first refinance. He was very knowledgeable, personable, patient, and flexible with me throughout the process. With any reservations that I had, he explained the steps needed in a clear and concise manner. He has made this process entirely painless and I cannot recommend him highly enough! Thank you again!

I highly recommend Brian Masterson and Bay Capital Mortgage. I contacted Brian on 9/21/21 for a mortgage refinance and we were able to go to closing by 10/22/21. That was a really quick turnaround. My bank did not have competitive rates and my credit union estimated the refinance could take up to 75 days. Brian explained all of our options and was easy to reach for questions. As a result, we got the best rate and terms for the loan and got it done quickly! Brian and Emily were a pleasure to work with on the refinance and I would not hesitate to work with them again.

We had a great experience using Brian Masterson at Bay Capital Mortgage when we consolidated our mortgage and our 2nd mortgage. He was very attentive during the entire process and provided us with all of the answers we needed. The settlement was one of the most professional I have been through. We would definitely recommend Brian!

Brian Masterson at Bay Capital Mortgage recently helped my wife and I refinance our mortgage. Brian and the team at Bay Capital Mortgage were very organized, made refinancing an extremely easy process, and ensured all our questions were answered in a timely manner. Over the past 15 years, my wife and I have bought/sold a house or refinanced four times and this time was by far the easiest and fastest closing we have experienced. We are tremendously grateful for all of Brian’s hard work and dedication to our successful refinance and highly recommend him to anyone looking to refinance their home.

Brian is amazing and a consummate professional. His exceptional knowledge of the mortgage lending process is unparalleled. It had been many years since I had purchased a home and my particular transaction was atypical. Brian not only has a big picture perspective but also maintains meticulous attention to detail. He organized every aspect of not only what I needed to do but also counseled the real estate agents relative to what was required for the mortgage process. The end result of my experience was that nothing fell through the cracks, the transaction closed in nearly record time and he was able to surprise me with a lower interest rate that I had expected. Without question Brian is the go-to lending processional. Thank you Brian!

Brian has helped me over the years deal with a number of situations. He is focused on his clients, I cannot imagine recommending or working with another lender. He will work hard to ensure that you get the best possible outcome. If you’re looking for a loan officer that is personable, hard working, and upfront, you should contact Brian.

Brian Masterson provides superb customer service throughout my recent refinancing experience. He is professional, thorough, and pleasant. Brian’s communication skills are excellent, and he always ensured that I was up to date on the status of my refinancing. He explained the processes and next steps in a clear and concise manner, ensuring that I knew what I needed to do to work with him as part of an effective team. I enthusiastically and highly recommend Brian Masterson and Bay Capital Mortgage for all your mortgage needs!!

Second time around! We did a cash out refinance and as always Brian was there to walk us through the whole process. He got us the best rates and worked tirelessly to ensure we had everything we needed!

Brian was superb to deal with. There were no tricks or gimmicks. Everything was delivered as promised and on time. Brian was always available and was always upfront and honest. Our rate was locked at a great savings. We would not hesitate to recommend Brian to anyone needing any mortgage products