★★★★★ 5.0 - Based on 180+ Google reviews from Maryland homebuyers
Areas We Serve | The
John Shea Team
Licensed NMLS #455896 - 20 years serving Maryland from our Odenton office
The John Shea Team at Bay Capital Mortgage helps homebuyers and homeowners across central Maryland with VA, FHA, conventional, and Maryland Mortgage Program loans. Every file is processed, underwritten, and funded in-house. You work with John Shea directly, not a call center.
Free, no obligation. You speak with John Shea directly, not a call center.
BUYING YOUR FIRST HOME IN MARYLAND STARTS WITH A CLEAR PLAN
First - Time
Homebuyer
Guide
in Maryland
Buying your first home is one of the most exciting financial decisions you will ever make. It can also feel overwhelming if you are not sure where to start.
Whether you are buying in Odenton, Severn, Crofton, Gambrills, Hanover, Annapolis, Columbia, or anywhere in the surrounding Maryland communities, the right mortgage strategy can make the process much easier. I’m John Shea, a mortgage advisor based in Odenton, helping first-time homebuyers navigate VA, FHA, and conventional home loans with a clear plan and a smooth, predictable process.
20 Years Serving Maryland
(since 2006)
NMLS #455896
& #39610
5.0★ - 180+
Google Reviews
In-House Underwriting
& Funding
MMP-Approved
Lender
The John Shea Team at Bay Capital Mortgage is an NMLS-licensed mortgage lender based in Odenton, Maryland, serving homebuyers and homeowners within about 20 to 30 miles of Fort Meade across Anne Arundel, Howard, and Prince George's counties. The John Shea Team offers VA, FHA, conventional, refinance, and Maryland Mortgage Program financing with in-house underwriting and 180+ five-star Google reviews. John Shea has 20 years of Maryland mortgage experience.
HOw We Work
How The John Shea Team serves central Maryland
The John Shea Team operates from one office at 1416 Annapolis Rd Suite B, Odenton, MD 21113. John Shea does not maintain branch offices in the cities below. Each city page describes how The John Shea Team serves that market remotely through online applications, e-signed documents, and phone or video calls. In-person meetings at the Odenton office are optional.
John Shea, NMLS #455896, has originated Maryland home loans since 2006 through Bay Capital Mortgage Corporation, NMLS #39610. Verify both license numbers on NMLS Consumer Access. The John Shea Team specializes in Fort Meade VA loans and is an approved Maryland Mortgage Program lender.
Local Financing expertise
Cities We Serve
Pick the city you are buying in. Each page covers the neighbourhoods, loan programs, and commute realities specific to that market.
Fort Meade and Anne Arundel corridor
VA FHA
Severn, MD
Buyers along the Fort Meade border, including Arundel Forest and The Provinces.
Home Office
Odenton, MD
Piney Orchard, Seven Oaks, and the Odenton home office for The John Shea Team.
Conventional
Gambrills, MD
Conventional financing for Waugh Chapel and Two Rivers on the MD-3 corridor.
VA
FHA VA
Central Anne Arundel County
VA FHA
Crofton, MD
Move-up buyers near Waugh Chapel weighing all three program types.
Home Office
Pasadena, MD
Refinance and streamline options for Green Haven and Riviera Beach on the Chesapeake.
Conventional
Glen Burnie, MD
Down payment assistance for first-time buyers on the Ritchie Highway corridor.
Howard County
VA FHA
Elkridge, MD
First-time buyers on the Route 1 corridor using state
Home Office
Columbia, MD
All ten villages, 25 to 35 minutes from Fort Meade.
Prince George's County and Annapolis
VA FHA
Bowie, MD
Families balancing schools and a Fort Meade commute on Route 50/301.
Home Office
Annapolis, MD
VA loans for Annapolis and Parole near the Naval Academy.
Fort Meade specialty resources
Guide
VA loans near Fort Meade
BAH and PCS planning for NSA, Cyber Command, and DISA households.
Free Download
Fort Meade Homebuyer Playbook
A step-by-step guide for military buyers relocating to Fort Meade.
BUYER ELIGIBILITY
What Is a First-Time Homebuyer?
A first-time homebuyer is generally someone who has not owned a primary residence within the past three years.
That means even if you owned a home in the past, you may still qualify for Maryland's first-time homebuyer programs and low down payment options. For example: if you sold your last house four years ago and have been renting since, you could be considered a first-time buyer again today.
Talk through your loan with John
The John Shea Team has helped Maryland families close VA, FHA, and conventional loans for 20 years.
Free, no obligation, speak directly with John Shea.
Areas We Serve questions
1. Does The John Shea Team serve all of central Maryland?
The John Shea Team serves homebuyers and homeowners within about 20 to 30 miles of Odenton, including Anne Arundel, Howard, and Prince George's counties listed on this page. The John Shea Team does not target Baltimore city, DC suburbs, or out-of-state markets from this website even though John Shea holds licenses in DC, Virginia, and Florida.
2. Do I need to visit the Odenton office?
No. The John Shea Team handles loan files through online applications, e-signed documents, and phone or video calls. Buyers who prefer an in-person meeting can visit 1416 Annapolis Rd Suite B, Odenton, MD 21113, but it is not required.
3. Is The John Shea Team a broker or a lender?
The John Shea Team is a direct lender through Bay Capital Mortgage Corporation. Processing, underwriting, closing, and funding stay in-house. John Shea is not a broker shopping multiple outside lenders.
4. What loan programs does The John Shea Team offer?
The John Shea Team originates VA, FHA, conventional, refinance, and Maryland Mortgage Program loans. Jumbo and USDA are out of scope for this practice. See the loan programs hub for details.
WE'RE HERE TO HELP
Frequently Asked Questions
We believe in total transparency. If you have lingering questions about the homebuying process, pre-approvals, or Maryland programs, we have the answers you need.
TAKE THE NEXT STEP
Ready to Get Started?
Schedule a call with John Shea or start an application online. You speak with John directly, not a call center.
Free, no obligation. You speak with John Shea directly, not a call center.
John Shea NMLS #455896 | Bay Capital Mortgage Corporation NMLS #39610 | Equal Housing Lender. Not affiliated with the Department of Veterans Affairs or any government agency. Rates subject to change, subject to credit approval, not a commitment to lend. Pre-approval is not a commitment to lend.
(410) 562-2046 | [email protected] | 1416 Annapolis Rd Ste B, Odenton, MD 21113
Last Updated: September 2026
