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.

Any question asked, any thing I thought was a problem was taken seriously and promptly answered. All was done in a very business like manner and with respect. My wife and I were treated very well during our time in getting our loan for our house. – Purchase/June, 2018 

We had contacted a number of brokers who were not getting back to us or communicating. Mr. Wheatley and his team always got back to us quickly, answered all our questions and were extremely professional. They were wonderful to work with. Richie is honest, hard working, thorough, kind, tactful, timely, and truly just top notch!.   – Purchase/April, 2018 

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.   – Purchase/July, 2017 

 Richie and the entire Bay Capital Mortgage team have been wonderful to work with through the mortgage process.  Richie has been prompt, polite, and easy to work with.  He researched every question that we had for him and made the mortgage process painless and easy. Thank you for such wonderful customer service! – Purchase/September, 2016 

Today’s closing went well. Thank you for your services. Mary at Venture Title thanked me for using you because of the quality and reliability of your work. I was very pleased as well. I intend to refer you to anyone I know who may be looking for a mortgage company to use! – Refinance/April, 2016 

I was referred to Richie Wheatley by our realtor and it was the best choice we could have made in the home buying process. Richie and Bay Capital Mortgage were wonderful to work with. They made the home buying process feel quick and easy. Richie and the secretary Amy guided me through the entire process one step at a time. Even if I had questions after business hours, Richie was willing to answer them right away for me. What a pleasure to work with! – Purchase/June, 2015 

Bay Capital Mortgage helped us go through the complex mortgage process with care and efficiency. Every requirement that was necessary was processed quickly so that we were able to obtain a good rate and not miss out on the house that we had so long desired. The requirements today are many, and the information that we sent back to Bay Capital was acknowledged immediately. If we had a question, it was answered with knowledge. Overall, there was a team under Richie Wheatley which showed care and interest in making the process work for us. – Purchase/March, 2015 

Richie made what we thought would be a long, painful mortgage application process incredibly easy and stress-free! Richie was attentive, informative, and not to mention timely in helping to make sure all of the pieces fell into place for closing day. Richie also communicated so well with our realtors (listing and selling) and title company that our realtor couldn’t stop singing his praises! Thanks Richie and his Bay Capital Mortgage team. – Purchase/July, 2014 

Wanted to send one more HUGE thank you for all your hard work in making this happen. I will keep sending referrals your way. You do great work and are exceedingly professional. Can’t express how much I appreciate everything! Being a new home owner changes perspective a bit! Please share my gratitude with Amy as well. – Purchase/November, 2013 

We finally closed on the house today and settlement went smoothly. I just wanted to thank the both of you for helping me through the entire process. I now know why people say you’re the best in town, and I will be recommending you guys to my clients and friends. Thanks again! – Purchase/September, 2013 

Mr. Dunn – It has been a few weeks since our property settlement, but I would be remiss if I did not convey to you our appreciation for the excellent job that Richie Wheatley (and staff) did with our mortgage. We had a couple of “false starts” on other homes, before finally finding the one where we are now. Throughout it all, Richie was most understanding and very helpful. His communications were always prompt and accurate. He is incredibly organized for a person that is also so involved with his family and community. I would recommend his (and Bay Capital’s) services to anyone. – Purchase/June, 2013