Ginny Francum
Sr. Mortgage Advisor
Buying a home is a significant step and understanding the loan process reduces anxiety. My strength is communicating the details.
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Ginny and her team were knowledgeable, responsive, and helped ease the loan process. We appreciate the great experience we had while purchasing our first home.
Reply from Ginny Phillips
December 19th, 2025 09:36 PM
Congrats on your new home Courtney - we are super excited for you!
Ginny made this experience great and easy! As first time home buyers, we were nervous. But after you spoke to my wife and explained alot, we were at ease!
Reply from Ginny Phillips
December 19th, 2025 09:40 PM
I'm so glad it helped put your mind at ease. Don't be a stranger - call anytime with any questions you have!
You and your team are great!! I know at the end you prioritized a lot of coordination for us that I didn't see. I really appreciate everything you and your team did for us!
Reply from Ginny Phillips
December 19th, 2025 09:39 PM
You are most welcome! Thank you for trusting us with such a big purchase!
We loved how warm Ginny was even over email! The team was well organized and on it with everything.
Reply from Ginny Phillips
December 19th, 2025 09:39 PM
Thanks so much Chris! This review means a lot to me.
Thank you for how responsive you are when I have questions!
Currently being stationed overseas presents its' many challenges but Mrs. Ginny and her team adapted to my schedule and made this process seem so smooth. Everything was seamless and when they needed any documentation, they made sure to contact...
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Reply from Ginny Phillips
December 19th, 2025 09:38 PM
We are so excited for you and your new home. Thank you for all that you do!!
Thank 🙏 for being patient and helping me out walking me though this whole process the whole team Ginny is amazing ℹ highly recommend Atlantic Bay Mortgage A 1 service thanks again Team Ginny is amazing
Reply from Ginny Phillips
December 19th, 2025 09:37 PM
Thanks so much!! We appreciate you!
Easy process. I would and do recommend them to everyone looking to buy a home.
Reply from Ginny Phillips
November 24th, 2025 08:57 PM
You rock! Thanks so much!!!
Easie process ever!!!
Reply from Ginny Phillips
November 24th, 2025 08:57 PM
Whoohoo! Thanks so much!
I was only disappointed with the communication regarding the allocation on the overage of funds. I felt I was very clear about it all going to debt, but instead we were cut a check for the earnest money deposit, which created unnecessary confusion....
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Reply from Ginny Phillips
November 24th, 2025 08:59 PM
Thanks so much for your feedback. I truly appreciate you.
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About
Buying a home is a significant step and understanding the loan process reduces anxiety. My strength is communicating the details.
Products & Services
Mortgage Loan Officer
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Licenses
- NMLS# 447959
- Licensed in NC & VA
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© 2024 Atlantic Bay Mortgage Group
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.