Chief Executive Officer



NMLS# 68124

Tim was recently named Chief Executive Officer of Bay Capital Mortgage Corporation (Bay Capital), an independent mortgage banking firm licensed in Maryland, Virginia, District of Columbia, Delaware, Virginia, West Virginia, North Carolina, South Carolina, Georgia and Florida.


Tim is responsible for creating, planning, implementing and integrating the strategic direction of the company. He is charged with leading the growth of Bay Capital throughout the Mid-Atlantic. Prior to Bay Capital, Tim served as Sr. Vice President for 1st Mariner Mortgage, a division of 1st Mariner Bank. Tim’s work is built upon three decades of mortgage banking experience with nationally recognized companies. 


After earning a B.A. degree in Economics at the University of Maryland in 1983, Mr. Gough entered the financial services industry and moved to the Annapolis area where he currently resides with his wife, Lori, where they raised three children.

"Tim is a very knowledgeable person and was so helpful to me every step of the way. Good explanations and very clear instruction for all I needed to do. Always pleasant and positive. I would recommend him to anyone who is planning to purchase a home"




- Mary V. 

Apply now for a better mortgage experience with Bay Capital Mortgage