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October 2023 by jay bird
Entire staff worked diligently to process my closing smoothly.
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August 2023 by Lee Dawkins
Shopping for a mortgage and then going thru all the paperwork and gathering documents— is stressful. The team at Capital made it very easy and where there to guide us all the way. Ritchie Wheatley has made this experience a perfect one.Having a local professional who knows customer service is a real treat
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July 2023 by Kaitlyn Milligan
My partner and I used Richie Wheatley during our first home buying experience. He was professional, kind, and answered the million and one questions we had. We will recommend him and Bay Capital to all of our friends and family in the home buying process.
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July 2023 by Bobbie Mills
Clark and his team made the mortgage process easy and as stress free as possible. I highly recommend them to anyone buying a house.
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March 2023 by Kristi O'Meara
This was my first time in a very long time to go through the full home buying process vs a refi. Richie and Amy explained every step effectively, communicated additional needs and hiccups clearly and kept me at ease during such a stressful process. Highly recommend this team!
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October 2022 by Elizabeth Real
Richie and team were great partners in a tough real estate market. They proactively came with ideas that made my offer stronger and then approved my mortgage on an expedited timeline in order to get the closing date I needed. Truly appreciate this team.
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December 2021 by American P.
The MOST incompetent, unprofessional mortgage company ever. Our agent was so misinformed, he could not answer the most basic questions, for example, who needs to be on the insurance policy? Had no idea. It's doesn't get more basic than that. I wish I could be writing a 5 star review. I truly do, because I'm the first one to praise people when they've done a good job. They have crushed not only my dreams, but an investment that would have been stellar. Purchasing a home should be an exciting, happy time. They have cost our family thousands of dollars, time, their motto is hilarious "We settle on time every time". Really? How do you explain 5 contract extensions, and coming up on 8 months of jumping through your hoops? They moved the goal post, and we'd strive harder. Luckily our attorney is very smart and provided solutions, and at the end we were told "we don't know what that is". Well, real customer service and the astronomical amount of money you charge, you could have certainly asked. Also, If what they say is true they "only deal with a handful of investors" then I can't imagine it would be so hard to verify before you put the buyer in this position. I would not recommend them to finance a dog house. They have absolutely no idea what they are doing. Now, if you're a millionaire and have a few hundred thousand to put down, presumably they could get it done.
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November 2020 by Keith Ludwig
Tolbert was extremely knowledgeable and easy to work with throughout the entire process. I highly recommend using Bay Capital Mortgage when buying a home.
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August 2019 by Dan M.
Bay Capital Mortgage is the absolute best mortgage company to work with. We have done a mortgage and refinances with them through the years. The staff is great- they are knowledgeable, attentive, and make sure that everyone has all the information on the process and progress on the transaction. If 10 stars was an option, I'd have given them 10 stars!