You Do Not Need 20 Percent Down to Buy a Home and This Belief Is Keeping Too Many Buyers Waiting
Loan programs, DPA, seller concessions reduce upfront costs. Geoff Ricker explains your real down payment options. ...more
mortgage
September 02, 2026•2 min read
Should You Buy Now or Wait for Mortgage Rates to Drop and Here Is the Honest Answer
Lower rates bring more buyers and higher prices. Geoff Ricker explains why timing beats rate chasing now. ...more
mortgage
September 02, 2026•2 min read
Mortgage Rates Are Starting to Ease as Oil Prices Drop and Here Is What to Watch This Week
Tensions ease, oil drops, rates improve slightly. Geoff Ricker explains what the Fed meeting means now. ...more
mortgage
July 31, 2026•3 min read
27 Years as a Loan Officer and Geoff Ricker Still Leads With Honest Guidance and On-Time Closings
27 years, every loan type, on-time closings. Geoff Ricker at Bay Capital explains what he commits to you. ...more
mortgage
July 30, 2026•2 min read
Condo Financing Guidelines Are Changing in August and Here Is What Buyers and Sellers Need to Know
15% reserves, more project scrutiny after Aug 3. Geoff Ricker explains how to check your condo first. ...more
mortgage
July 22, 2026•3 min read
Do Not Wait Until You Find the Right Home to Start the Mortgage Process and Here Is Why
Pre-approval before house hunting wins deals. Geoff Ricker at DMV Loans explains how to get ready fast. ...more
mortgage
July 21, 2026•2 min read
Geoff Ricker at Bay Capital Mortgage Helps Maryland Families Buy Their First Home and Every Home After
Conventional, FHA, VA, USDA, Jumbo. Geoff Ricker at Bay Capital delivers on-time closings every time. ...more
mortgage
July 20, 2026•2 min read
Being Approved for a Loan Amount Does Not Mean You Should Spend That Much and Here Is Why
Max approval and right amount are different. Geoff Ricker at Bay Capital explains how to buy with confidence. ...more
mortgage
July 13, 2026•3 min read
The GO Team on Inflation at 4.2 Percent Non-QM Loans and Why Buyers Should Stop Waiting on Rates
Rates at 6.25%, non-QM opening doors. Geoff Ricker and Owen at Bay Capital explain what buyers need now. ...more
mortgage
June 29, 2026•5 min read
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