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Purchase
Refinance
Lisa & Emma supporting the Virginia Foundation of the Arts
Lisa, her husband JC and her son Riley at his honor's graduation
Lisa celebrating in Aruba with the Atlantic Bay's President's Club
Lisa & Emma having some boating in NC
Helping out with some fabulous real estate agents!
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This calculator is made available to you as a self-help tool. All examples are hypothetical and for illustrative purposes only. Any calculations assumes the theoretical borrower will have excellent credit and are based on information you have provided. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on location, loan type, and many other determining factors. This information was prepared by an independent third party, and accuracy is not guaranteed. We encourage you to seek personalized advice from qualified professionals regarding all financial issues and needs.
This calculator is made available to you as a self-help tool. All examples are hypothetical and for illustrative purposes only. Any calculations assumes the theoretical borrower will have excellent credit and are based on information you have provided. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on location, loan type, and many other determining factors. This information was prepared by an independent third party, and accuracy is not guaranteed. We encourage you to seek personalized advice from qualified professionals regarding all financial issues and needs.
This calculator is made available to you as a self-help tool. All examples are hypothetical and for illustrative purposes only. Any calculations assumes the theoretical borrower will have excellent credit and are based on information you have provided. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on location, loan type, and many other determining factors. This information was prepared by an independent third party, and accuracy is not guaranteed. We encourage you to seek personalized advice from qualified professionals regarding all financial issues and needs.
This calculator is made available to you as a self-help tool. All examples are hypothetical and for illustrative purposes only. Any calculations assumes the theoretical borrower will have excellent credit and are based on information you have provided. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on location, loan type, and many other determining factors. This information was prepared by an independent third party, and accuracy is not guaranteed. We encourage you to seek personalized advice from qualified professionals regarding all financial issues and needs.
The first thing you should do before you consider purchasing a home is to meet with a licensed mortgage banker who will help you understand how much you can afford to buy. Some people think they must pay off all their debt before they can qualify for a mortgage, but this is not the case. After determining how much you may qualify for, it is the important to assess your needs such as the size of home you’d like to purchase, location, and condition of the property. Writing down the elements important to you will help your real estate agent to find your dream home.
Many of our previous clients were worried about not qualifying for a mortgage due to previous credit issues. If you fear that your credit is so bad that you won’t qualify for a mortgage you should still reach out to one of our licensed loan officers that can help put you on the right track to finally purchase a home you’ve always wanted. Many times our expert advice can not only help you qualify for a loan quicker, but possibly get you a more favorable interest rate too. This could save you thousands of dollars over the course of the loan.
The first step if you are thinking about buying a home is to contact Atlantic Bay Mortgage. We will help you evaluate how much loan you can qualify for. We gather information about your goals and fit the correct mortgage product to your needs. We will also give you an approval letter to use when shopping for a home. Then you’ll know exactly how much you can afford to spend, and it will speed up the process once you do find the home of your dreams.
The first step of the process is to contact Atlantic Bay and learn how much home you can purchase. With just a few brief questions we will be able to understand your home loan needs and find the perfect solution for you. Then we will help introduce you to a local real estate agent if you do not already have one. They will help you shop for your dream home. The greatest advantage is that the seller pays for the real estate agent’s commissions so it is better that you work with a professional. We will then walk you through the paperwork and verify all your information. Once you have found a home and all the paperwork is processed we will schedule your closing to sign the final paperwork. Once you close on your home, you’ll be finished and ready to move in!!!
A home is one of the best financial investments you can make. When you rent, you write your monthly check and that money is gone forever with no return on your investment. But when you own your home, you can deduct the cost of your mortgage loan interest from your federal income taxes, and usually from your state taxes. This may save you a lot each year, because the interest you pay is the majority of your monthly payment for most of the years of your mortgage. You can also deduct the property taxes you pay as a homeowner. In addition, the value of your home may go up over the years. Finally, you’ll enjoy having something that’s all yours – a home where your own personal style will tell the world who you are.
Yes, this program is for anyone looking to purchase a home regardless of if you have owned a home before.
Within minutes of contacting one of our licensed mortgage bankers, you will know the mortgage amount for which you can qualify. We close loans 3x faster than our nearest competitor and can have you in your new home in fewer than 30 days assuming you’ve found the right home for you.
You are not alone, this is a very common occurrence and we have plenty of home loans that do not require a large down payment. Some of our loans allow you to finance up to 100% of the purchase price and other loans even give you money to repair a home.
Typical documents needed during the loan process are the past 2 years’ W2s, bank statements, 401K statements, tax statements, copy of sales contract (if applicable), and copy of driver’s license. Other items may apply depending upon your specific situation.
Your monthly mortgage payment is made up of 4 parts:
Most loans are for 30 years, although 15 year loans are available, too. During the life of the loan, you’ll pay far more in interest than you will in principal – sometimes two or three times more! Because of the way loans are structured, in the first years you’ll be paying mostly interest in your monthly payments. In the final years, you’ll be paying mostly principal.
Paying debt on time and in full has the greatest positive impact on your credit score. Late payments, judgments and charge-offs all have a negative impact. Missing a high payment will have a more severe impact than missing a low payment, and delinquencies that have occurred in the last two years carry more weight than older items.
This factor marks the ratio between the outstanding balance and available credit. Ideally, the consumer should make an effort to keep balances as close to zero as possible, and definitely below 30% of the available credit limit when trying to purchase a home.
This portion of the credit score indicates the length of time since a particular credit line was established. A seasoned borrower will always be stronger in this area.
A mix of auto loans, credit cards and mortgages is more positive than a concentration of debt from credit cards only.
This percentage of the credit score quantifies the number of inquiries made on a consumer’s credit within a six-month period. Each hard inquiry can cost from two to 25 points on a credit score, but the maximum number of inquiries that will reduce the score is ten. In other words, 11 or more inquiries within a six month period will have no further impact on the borrower’s credit score. Note that if you run a credit report on yourself, it will have no effect on your score.
Lisa Wynkoop, skilled in underwriting, processing, closing, and managing loans, joined Atlantic Bay in 2008. Specializing in helping military buyers, she also assists first time home buyers, primary and secondary home buyers, and investors. Lisa has helped over 5,000 families achieve their dream of owning a home. Lisa has a proven track record of providing red carpet service.
“With over 30 years experience in the industry, I can assess potential pitfalls upfront to assure a smooth closing. I am also a military home buyer specialist. I strive to do everything I can to help military home buyers find the home of their dreams. I am proud to say I have been able to help thousands of military families do just that.”
“I try to meet clients face to face the first time. I think that is important to go over all the documents in person when possible and explain everything clearly. I am extremely organized so I make sure I get all their information up front so we don’t have surprises throughout the process.”
“I pride myself on always explaining the entire process and making sure my clients’ questions are answered. I tell my clients this is the biggest purchase they will ever make. I definitely hold their hand through the process. I tell them to call or text me anytime. I want them to feel comfortable.”
Lisa supports First Colonial High School’s Patriot Playhouse, the Virginia Foundation of the Arts, and the Children’s Hospital of The King’s Daughters (CHKD). In addition, she’s involved in Virginia Beach Middle School’s PTA, volunteers in her children’s schools and activities, and is a Partner in Education for First Colonial High School.
Lisa was always there for us throughout the process.
A great mortgage experience start to finish.
Excellent customer service! Lisa was always reachable and very quick to respond.
I have purchased six homes in my lifetime. Working with Lisa, Gaylyn, and Rebecca. It all has been the best experience I have ever had in the typically stressful home buying process! You all have the process down pat! Thank you so much! I am very grateful to everyone at ABMG!!
Lisa is great!
SHE IS THE BEST!
Lisa was very thorough and efficient. She was a joy to work with. Thank you!
Lisa Wynkoop was fantastic! Quick to answer questions, kept us updated at all times! :)
Lisa is the penultimate professional...outstanding customer service, communication, and attention to even the smallest details.
Lisa was pleasant and easy to work with. She made the process as stress free as possible.
Lisa Wynkoop was great- highly professional and efficient in addressing all of our concerns.
Lisa made this a painless process - quick, efficient, and very helpful.
Absolute pleasure to work with. Helped us close in under 30 days with a VA loan.
I have referred Lisa Wynkoop to several. I love working with her. She is very good and knowledgeable.
Lisa Wynkoop was awesome! She is great and we will refer her to anyone we know that is in need of a mortgage broker. Thanks for making this process so easy!!
Lisa was wonderful to work with!
Communication is key to financial decision making. I found that comm network with Atlantic Bay was time sensitive. I also appreciate the coordination and effort with the title company. This made the transaction smoother and quicker.
Lisa Wynkoop was very professional, helpful and a pleasure to work with.
This is the second time having Lisa handle our mortgage and she by far is the best. She is extremely efficient and quick. She made the overwhelming process seem easy and no burden to us! Thank you Lisa! We recommend you to everyone! :)
I was very happy with the service provided; very professional and helpful. we were 1st time home buyers and the help that was given was much appreciated.
This is the 6th purchase I make and without a doubt it has been the fastest more professional process I have experienced.
Lisa Wynkoop was fantastic! Always a step ahead. She truly understands the mortgage business. Thanks Lisa
Lisa Wynkoop is professional and handles all parts of the process very well. I will use her services again.
Lisa Wynkoop was one of the most professional people we have ever worked with! We would NOT hesitate to recommend her to anyone. It was our pleasure to work with her.
Lisa was wonderful through the entire loan process. She was very informative and made us feel very comfortable.
We loved Lisa - she was awesome!
Lisa is great!
Lisa was very responsive and knowledgeable. I would recommend her without hesitation. The process that can be very stressful was very smooth.
Especially compared to the long and painful mortgage process we went thru w/ another lender, this was an amazing painless process.
Lisa is very professional efficient. She helped us close our loan in less than 30 days. I would not use anyone other than Lisa Wynkoop for my loan needs!
Ms. Wynkoop went beyond wheat was expected to assist us and ensure we had the best possible outcome.
Lisa was very approachable. This was my first home and had lots of questions. She never made me feel that my questions were stupid.
Lisa made our refinance very easy. She was very communicative, took care of all the defaults, made the transaction smooth.
Lisa Wynkoop and the entire staff @ ABMG was extremely helpful during the process. I was informed of every aspect of what was needed and everyone was professional.
Lisa is incredibly organized and helpful every step of the way and her efforts kept us on track for a fantastic rate on our refinancing loan. This is our second experience with her and we would go back again.
I was all set to use an online lender but after talking w/ Lisa and her ability to adjust w/ us on the fly I decided to stay w/ her. so glad we did! The process couldn't have been easier.
Lisa has provided my husband and me with amazing service while helping us with three mortgages over the years. She is fast, very friendly, and extremely professional. We are so grateful for her personal service. She is an absolute pleasure to work with!
Lisa made everything so easy for us.
Really enjoyed working with Lisa Wynkoop. Very professional and helpful!
Lisa is great to work with!!
Lisa Wynkoop was absolutely wonderful!
Super friendly service!
Lisa was amazing - Held my hand through a lot of the process - Answered a million questions and took 4-5 calls a day for 1 1/2 months - earned her $ on this sale!! :)
Lisa was friendly and knowledgeable. She provided a very competitive offering. I shopped mortgage bankers and chose Atlantic Bay!
Lisa Wynkoop was very, very helpful an great to work with.
This was the most professional and pain-free re-fi I've ever experienced.
Lisa was wonderful!
Lisa was patient and great to work with!
Lisa went above and beyond the call of duty to take care of the "well" issues! Thank you Lisa!
Lisa made our first time refinancing a breeze. She was extremely professional and always available to answer any questions we had.
I found Lisa to be very professional and a delight to work with.
She was extremely professional and a pleasure to work with.
Thanks Lisa for doing a GREAT job for us!
Lisa was great!
She was great - no complaints!
Lisa was amazing helping us through our buying experience. We could not have asked for more, in fact she went above and beyond what we expected. I mean, who answers their annoying clients on a Sunday lol.
Lisa was always quick to respond to our questions and im confident that we got the best deal we could thanks to her work on our behalf.
Lisa is both personable and professional. SHe mde the mortgage process as quick and efficient as possible. I was amazed at her knowledge and professionalism. I would highly recommend her.
Lisa Wynkoop was excellent! She was accessible at all times, very prompt with getting back to us with information and answers to questions and professional and friendly.
Lisa did an awesome job helping us with our first mortgage
Lisa was great she took the time to explain things and help get me the loan I needed in a timely fashion without any empty promises.
Lisa was great she took the time to explain things and help get me the loan I needed in a timely fashion; without empty promises.
The professionalism I received was outstanding. Lisa Wynkoop was right on top of everything. She took control and handled everything. She made it very easy and pleasant for me.
Great service!
Very pleasant, professional, and friendly.
Lisa was always there for us throughout the process.
Lisa was great. A true professional!!!
Lisa was amazing!
Lisa is the best. She worked very hard to make this deal come together.
Lisa and staff are responsive, friendly, and easy to work with. The best!
Lisa has been a blessing in assisting me with my mortgage. She helped guide me through the process. Thanks so much!
Lisa was an absolute pleasure to work with. Whenever we needed something, she was on it immediately.
Lisa is an absolute joy to work with. She not only knew what to do and how to get the best outcome for me, but was even there to walk me through every step and it was a grueling process, 9 months in the making as I was going through a divorce. She became much more than just my banker. She became my ally and friend. I would (and do!) recommend her to anyone who needs mortgage assistance.
Lisa was great! Thanks so much!
Lisa Wynkoop is absolutely the most communicative, professional and proactive mortgage banker I have ever worked with. Lisa is awesome. She gets all of my client referrals.
Very happy with service.
Lisa did my original mortgage in 2014. Her excellence and attention to detail, along with the competitive rates, made Atlantic Bay Mortgage Group the natural choice for my refinance.
Lisa provided outstanding customer service.
This is the second time I've used Lisa for my mortgage needs. She is great and will always be my first call when buying homes.
Lisa was very helpful and informative. She went out of her way to help me with any issues I had and answered all of my questions.
It was a real pleasure working with Lisa and her team. All our concerns during the process were addressed in a timely manner.
Lisa is wonderful every time.
Lisa was very helpful. She was available on weekends and got back to me immediately.
Thank you, Lisa Wynkoop and Atlantic Bay for showing me how I could use the equity in my home to pay off all my bills and secure my loan. You're the best.
Easiest, hassle-free, professional refi ever. Fantastic service. Thank you, Lisa, you are the best.
This is my third loan with Atlantic Bay Mortgage Group because of Lisa. Great service and an easy process.
Everyone was very efficient and the whole process was painless. I cannot say that about any of the three times I have done this before.
Lisa was awesome to work with and she quickly responded to emails and answered all questions.
Lis was wonderful!
Lisa Wynkoop is on top of her game! She was very prompt returning emails and calls and was very helpful. If I'd known how seamless the refi process was with Atlantic Bay Mortgage Group I would have done it much sooner.
Lis was very professional and always there for us.
Our loan was pre-qualified and executed in a relatively short time while being on time. It was a very painless experience.
Lisa Wynkoop was fantastic! She was very helpful from our initial conversation all the way through closing. She answered all of my questions, was very responsive, and easy to get a hold of.
Lisa made refinancing our home and getting a new mortgage so easy. She always answered my questions quickly and fully. I would highly recommend Lisa to anyone.
Lisa Wynkoop was very attentive to our mortgage needs. She made us feel relieved that she was taking care of us.
We had a great experience for first-timers! We appreciate all the help and the quick and efficient process.
Lisa was very helpful when we had questions. She was trustworthy in this process and we would definitely recommend her to any of our friends and family.
Lisa exceeded my expectations.
Lisa is great! She is always doing what she can to help and get the loan processed.
Lisa and her team were very professional and courteous and we had a very pleasant experience dealing with Atlantic Bay Mortgage Group. Thank you so much for all of your help.
Lisa was quick and efficient in financing our VA loan. A+ from these service members!
Lisa was great to work with. She provided helpful and prompt responses.
Lisa was great at answering all our questions! Her availability and access to her when we needed was great!
Lisa was wonderful, always available, and provided great service.
Lisa was wonderful to work with.
Great Team! They had fast communication and were flexible.
Lisa Wynkoop was exceptional in taking care of us. I love that I could text her if I had questions and she always responded promptly.
All staff members involved were courteous and very helpful during all steps in the process and made my experience positive with clear explanations.
Lisa is great!
It was a pleasure. Lisa made the process so painless and her response time answering questions quickly was appreciated.
It was a real pleasure as Lisa was helpful in every way and always available to us.
We received lots of help in pursing our loan.
Lisa was phenomenal and assisted us with our every need. We can't say enough wonderful things about Lisa!
Lisa Wynkoop and team exceeded our expectations in relation to every aspect of the mortgage process. Everyone at Atlantic Bay Mortgage Group was accessible and responded to our questions immediately.
Lisa was great to work with and made the whole process go very smooth.
Lisa was fantastic and I would work with her again any day!
Lisa was great to work with and very helpful!
The process was fast and easy and Lisa was very professional. I highly recommend Lisa Wynkoop and Atlantic Bay Mortgage Group.
Contact Lisa Wynkoop
Lisa Wynkoop
Sr. Mortgage Banker | NMLS #211285