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We had a wonderful experience with Bethany at Bay Capital- The Rick Hennen Team. Start to finish this process was made simple and explained along the way. I truly appreciate all the help on making our home loan easy! If we ever need to get a mortgage again or refinance we will definitely be using Bethany with The Rick Hennen Team! 

 They were such a great help and explained everything to us! 

Rick and his team were very helpful with getting us prepared to put an offer on a house. They made the process pretty easy and quick! 

Rick's team was very helpful not just with getting good rates and handling my loan, but also with making sure I understood every part of the process and helping me with the information I needed to provide and review.  Everyone was very polite and quick to respond. 

Rick and his team are excellent! They provide top notch service and go above and beyond for their clients. Rick is exceptional at explaining the financing process to his clients. He makes sure they’re comfortable and is always one step ahead making sure everything goes as smooth as possible. Rick is also great at laying out any and all options available and provides so much value. Not to mention he is a VA Specialist and takes good care of his military clients. Thankful I can count on this amazing team of local professionals to get the job done! 

 Excellent service a 2nd time I used them! Rick and his team helped me with my closing on my house and also on my refinance! Highly recommended!! 

 Rick and his team made our first time home buying process with the VA loan super easy! Rick was excellent with communication, especially with us having a 3 hour time difference. He answered calls or texts very quickly, even on weekends. We needed to have an extremely quick turnaround with our military PCS and they made it happen without any issues. He was very patient and explained each step of the process so we could easily understand our next steps. He helped give advice on different areas since we were going to have to buy a house before even checking out the area and we felt strongly that we could trust his advice. HIGHLY recommend Rick and his team. 

"Our experience with Bay Capital Mortgage Corporation was wonderful. Rick and Lauren were extremely knowledgeable and professional. The process was very tedious but they held our hand through every step to make it as seamless as possible. Best of all, Rick helped us to lock in a great rate; we closed within a month and a half in the middle of a COVID-19 pandemic. I would definitely recommend them to anyone anticipating buying a house now or in the future.

Thank you guys for making our home ownership dream come true!!"

"Rick made the process of obtaining a mortgage for our new home smooth and painless. Excellent communication and a real pleasure to work with. He and his team responded to my questions and concerns quickly and helped me understand all the moving pieces involved in obtaining a new mortgage. I do not hesitate to recommend Rick for your finance needs."

"Rick was amazing and extremely informative during the process. We discussed all of my options before he let me make an educated decision on my property. He played a big role in making the process of buying my first home so easy."

"I was shocked at how much he knew and was familiar with VA loans and military terminology and requirements for documents. Very easy process and it was my first time buying a home 😄 He also helped me to do a Refinance years later were I secured a low fixed rate." 

"Rick Hennen and his team did a great job helping me with the process of buying my home walking me through all the details and keeping me informed of everything and explaining anything I didn't fully understand. I would highly recommend Rick and his team to anyone looking to buy a home."