Your Career. Your Growth. Your Freedom.

Welcome to Bay Capital.

We’re not just another mortgage company. We’re the destination for driven loan officers who want better tools, better support, and more freedom to build their business.

✅ Great Rates that keep you competitive in any market.

✅ Culture of Care — we exist to serve our clients and our team.

✅ Growth-Focused Support — we don’t just recruit you, we grow with you.

✅ High Tech + High Touch systems to save time and win more business.

✅ Run Your Own P&L — if you want to own it, we’ll support it.

Get Your Free Loan Officer Success Kit Today

DISC Personality Report

6 Months of One-Tap Connect

Free 15 minutes Coaching Call

Modern Loan Officer Playbook

Other Companies vs. Bay Capital

Other Companies

Red tape & layers of management

Pay extra for tools you need

Corporate-first culture

You’re just a number

Bay Capital

Freedom to run your business your way

Tech stack & tools included

Culture that values you

Support that helps you scale

What Loan Officers Are Saying

“At Bay Capital, I’m more than a number. The support here changed my business.”

“The tech stack and coaching gave me leverage to grow faster than I thought possible.”

That Help Our L.O.'s WIN

My Capital Connect

My Capital Connect app, you can co-brand with your agents to give clients a tool that tracks credit, budgets, and home goals—keeping both of you front and center for every milestone.

MSRP Account

You’ll have access to our exclusive MSRP account, allowing you to set aside pre-tax dollars for marketing—maximizing your budget, fueling your brand, and growing your business without cutting into your paycheck.

Compensation

At Bay Capital, you’ll enjoy premium compensation paired with the flexibility to run your own P&L if you choose. With no maximums on comp, you have the freedom to structure every deal to win while building your income on your terms.

Products

Bay Capital offers a full suite of loan products—from conventional and government loans to jumbo, niche, and specialty programs—so you can serve every type of client. If there’s a product out there, chances are we do it in-house, giving you speed, control, and confidence on every deal.

Pricing

We offer premium compensation without the corporate layers—so you get ultra-competitive rates and low closing costs. That empowers you to compete on every deal while maximizing both your earnings and your clients’ savings.

Service

Service is what truly matters—because all the tools and pricing mean nothing if your clients can’t close on time, every time. At Bay Capital, our top-tier support team takes care of you and your clients, protecting the most valuable thing you have: your brand