Senior Vice President


NMLS# 269930

Richie has worked in the mortgage industry since 1990. He spent 20 of those years with JP Morgan Chase. In 2010, Richie became a Partner with Bay Capital Mortgage and holds the title as Senior Vice President. Richie was recognized by Mortgage Originator Magazine in 2003 and 2004 as one of the Top 200 Loan Originators in the Country. Richie is considered a specialist in first time home buyer programs including USDA, FHA and conventional financing. He has helped many Veterans achieve home-ownership through the VA program. The Eastern Shore of Maryland is home to many second home buyers and Richie has helped them realize their dream of owning a waterfront home.


Richie is a very active member of his community. He is the President of the Rotary Club of Easton and was instrumental in bringing the Optimist International organization to Easton where he served as the Charter President for the Talbot Optimist Club in 1994. He currently serves on the Mortgage Service Committee for Habitat Choptank, active with local sports in the community and is an Umpire for High School and Little League baseball.


Richie has taught several accredited classes for the Mid Shore Board of Realtor’s and has been a panelist at past Annual Maryland Mortgage Bankers Associations meetings.


Richie earned his Business degree from McDaniel College in 1987. Recently, he was part of the Shore Leadership Class of 2012. Richie and his wife Martha enjoy living on the Eastern Shore of Maryland with their five children.


Richie enjoys working in the mortgage business and looks forward to helping you with the financing of your current or new home.

"Richie Wheatley and the staff at Bay Capital Mortgage were incredibly accommodating and diligent throughout my home buying process. The entire team was reliable and easily accessible whenever I had questions or concerns, which was very important to me as a first time home buyer. When issues arose they were addressed in an effective and timely manner to ensure that we stayed on schedule. I could not have asked for a better group of people to stand behind me in purchasing my first home"




- Anonymous 

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