Rick Proctor  

Producing Branch Manager



NMLS# 110405

Put my 30+ years of lending experience to work for you. I specialize in purchase and refinance loans for resort homes, particularly condo financing, but I also have extensive experience working with First Time Homebuyers, FHA 203k, Investment Properties, USDA, and VA.


 I am dedicated to providing you with top customer service and assistance in finding options that meet your home buying or refinancing needs. Our innovative financing programs can help you buy your very own piece of the American Dream, and establish long-term financial security for you and your family. 


With me you can always expect: 

  • Prompt communication Dedication to meeting your home financing needs 

  • Competitive rates and fees Responsive and professional service 

  • Experience with complex income or credit challenges 

  • At Bay Capital Mortgage, we process, underwrite and close your loan in-house giving us flexibility and control over the loan from start to finish. This means common sense decisions and on-time closings for our customers. 


When away from the office I enjoy the beach life and fishing with my wife and three children. 


"Rick was always prompt, professional, helpful, and concerned with my needs. He provided answers, options, and follow-up quickly and professionally. He communicates well and does so with a personable and very friendly demeanor. Rick was particularly helpful in working with me from such a long distance"


- John S. 

Apply now for a better mortgage experience with Bay Capital Mortgage