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JOHN SHEA

 

Thank you for your interest in the John Shea Mortgage team. We are here to guide you from beginning to end with the homebuying process.

Please feel free to contact us for a free consultation and an opportunity to introduce ourselves.  If you are ready to start the process, please click on Apply with John below.

JOHN SHEA

Senior Loan Officer

jshea@baycapitalmortgage.com

410-562-2046

NMLS# 455896
MD NMLS# 455896
VA NMLS# MLO-55001VA
DC NMLS# MLO455896
FL NMLS#LO96922

John Shea is a local mortgage advisor and VA loan specialist serving Fort Meade, Odenton, Severn, Crofton, Annapolis, and surrounding Maryland communities.

He works with military families, first time homebuyers, homeowners, and real estate professionals to navigate VA, FHA, and Conventional loan options with clear strategy and step by step guidance.

A native Washingtonian, John has a deep understanding of the local real estate market and takes pride in helping buyers structure the right financing based on their unique goals and situation.

John and his team are committed to providing a high level of service, communication, and professionalism throughout the entire mortgage process. His focus on preparation, strategy and clear expectations helps ensure a smooth, predictable experience from pre-approval to closing.

“I am here to guide you through the entire home buying process, from helping you choose the right mortgage to walking with you through closing. I chose a career in residential lending because of the satisfaction I get from helping people. There is nothing better than knowing I’ve helped someone buy their first home or take the next step forward financially.

"I highly recommend using John Shea for any of your financing needs. He made the process of purchasing my home seamless and stress free, walking me through the process the entire way. Even when issues arose, John was there to provide suggestions and solutions to make sure the loan process went smoothly"

 

 

- Ben F. 


FIND OUT HOW MUCH YOU CAN AFFORD

The following online calculators serve as helpful tools during the mortgage process.

Payment / Amortization Calculator

Calculate your monthly payment and see how the principal is paid over time.

 

Rent vs Own Calculator

Calculate the difference between renting and buying a home.

 

Annual Percentage Rate Calculator

Calculate the APR for fixed-rate or adjustable-rate loans.

 

Debt Consolidation Calculator

Determine if you can consolidate your debt by combining it with your home mortgage.

Prepayment Savings Calculator

Find out how soon you can pay off your mortgage by making a prepayment.

 

Early Payoff Calculator

Determine the additional monthly payment amount needed to pay off the loan sooner.

 

Refinance Break-Even Point Calculator

Find out how long it will take to "break-even" on a refinanced loan.

 

Tax Savings Calculator

Determine the estimated tax savings with a new loan.