Atlantic Bay Sr. Mortgage Banker Tom Rybak, NMLS #103608

Tom

Loan programs may change at any time with or without notice. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Housing Lender. Located at 600 Lynnhaven Parkway Suite 100 Virginia Beach, VA 23452.

A little more about me.

I make every transaction as easy as possible for the homebuyer.

Contact me

I started out as a mortgage broker in 1997, and today, I proudly serve all homebuyers across North Carolina and Florida, including those in need of down payment assistance.

The most rewarding aspect of my work is witnessing clients achieve their dreams, especially those who once thought homeownership was out of reach. Nothing beats the satisfaction of helping someone secure a loan they thought was impossible.

In my free time, I enjoy relaxing with my wife of 20+ years, Kelly, and our three dogs – Maxwell, Sammy, and Luna. You’ll often find me on the golf course, or on Sundays, cheering on our favorite team, the Buffalo Bills.

I’m available 24/7! Whether it's weekends, weeknights, or any time in between, I'm here to answer questions and guide you through the homebuying process.

Give me a call!

I started out as a mortgage broker in 1997, and today, I proudly serve all homebuyers across North Carolina and Florida, including those in need of down payment assistance.

The most rewarding aspect of my work is witnessing clients achieve their dreams, especially those who once thought homeownership was out of reach. Nothing beats the satisfaction of helping someone secure a loan they thought was impossible.

In my free time, I enjoy relaxing with my wife of 20+ years, Kelly, and our three dogs – Maxwell, Sammy, and Luna. You’ll often find me on the golf course, or on Sundays, cheering on our favorite team, the Buffalo Bills.

I’m available 24/7! Whether it's weekends, weeknights, or any time in between, I'm here to answer questions and guide you through the homebuying process.

Give me a call!

Contact me

What can you afford?

Use my mortgage calculator to estimate your monthly cost.*
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*This calculator is made available to you as an informational tool. All examples are hypothetical and are for illustrative purposes only. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on individual scenarios, credit scores and market conditions. Atlantic Bay Mortgage Group does not guarantee the applicability of the above terms in regards to your individual circumstances. This information is not intended to replace the advice of a tax or financial professional.
*This calculator is made available to you as an informational tool. All examples are hypothetical and are for illustrative purposes only. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on individual scenarios, credit scores and market conditions. Atlantic Bay Mortgage Group does not guarantee the applicability of the above terms in regards to your individual circumstances. This information is not intended to replace the advice of a tax or financial professional.
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Homeowners insurance: a standard insurance policy that covers damage to your home and protects your personal property.

from AB Insurance.

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Lending Peace of Mind
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Information is for educational purposes only and should not be relied upon by you. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 ( nmlsconsumeraccess.org) is an Equal Opportunity Lender. #72043 ( nmlsconsumeraccess.org) is an Equal Housing Lender. Located at 600 Lynnhaven Parkway Suite 100 Virginia Beach, VA 23452.