Behind the Scenes: Our One-Team Approach Benefit to Borrowers

Buying a home is a major life decision that can lead to a lot of stress and anxiety, and we totally get that! And that’s why at Atlantic Bay Mortgage Group, we approach each family’s profile in a dedicated One-Team Approach. Sounds fancy, but what does this mean for our borrowers, and what does it all look like on the backend?

Typically, banks and independent mortgage companies will have their mortgage bankers work with their borrowers to complete a file to submit. At this point, the file can land on a number of different people’s desks – all of whom have their own preferences for the way they like a file to look. It puts a lot of guessing into file work and can draw out the length of the process if or when files get returned, just adding more stress to the mortgage banker and the borrowers alike. All of this really gives us the nervous sweats, honestly.

Our motto is “Lending Peace of Mind” and that is all-encompassing – from our borrowers to the team members behind the scenes.

With the One-Team Approach, each Mortgage Banker at Atlantic Bay is paired with their own designated Underwriter, Processor, and Closer. These team members work closely together, developing tight bonds, shielding borrowers from any unnecessary stress.

The guess work is eliminated, and communication can be crystal clear to borrowers when the Mortgage Banker knows exactly the way their team needs a file in order to avoid kinks in the process. And that’s just the start.

Our borrowers know the exact name of who will be reaching out to them for next steps, not just “someone.” Our lenders can simply pick up the phone and call their Operations Team to get answers for borrowers in real time. No hoops to jump through – simple direct access to their support team. The One-Team Approach at Atlantic Bay is a major selling point for borrowers looking for a simplified and stress-free lending experience.

“Sometimes I wouldn’t take deals because I knew there was only a 25%-50% chance that my file would get to the right underwriter. Sometimes it killed my credibility because not every deal is cookie cutter. I have consistency and communication now – and I know my team is going to be there to support me and our borrowers every step of the way,” one of our Mortgage Bankers, Kathy T., shares. Our Mortgage Bankers are able to take on files with confidence because they know they will be able to offer their borrowers the best experience possible.

Everything down to the way we have structured our teams in a unified approach is all for one reason: to lend peace of mind during the home loan process. One of the biggest decisions of your life should be joyous and stress-free, and the One-Team Approach at Atlantic Bay is exactly how we’re making that dream a reality for our borrowers!