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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Very straightforward and pleasant experience.
Reply from Ginny Phillips
November 24th, 2025 09:04 PM
Thank you!!
we Enjoyed being able to sit face to face with you to go over any questions we had! That makes all the difference instead of going over emails and text. thank you for taking the time out of your day to help us. It made a difference!
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Reply from Ginny Phillips
November 24th, 2025 09:05 PM
So excited for you both!!!
Ginny and Ashly were the best . You both made our home buying experience go so smoothly and that meant alot to us since it had been over 31 years since we purchased a home. I will definitely recommend Atlantic Bay Mortgage for any of my friends...
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Reply from Ginny Phillips
October 24th, 2025 03:17 PM
Thanks so much!!!
I very much appreciate the experience 🤗. Second home in the books🙏. Both times seemless process TY
Reply from Ginny Phillips
October 24th, 2025 03:17 PM
Loved working with you again!!
Ginny was great to work with, very knowledgeable and friendly.
Reply from Ginny Phillips
October 24th, 2025 03:17 PM
Thanks so much!!
Thank you for making this such a great experince and a quick one! So thankful for you and your team!
Reply from Ginny Phillips
October 24th, 2025 03:18 PM
Excited for your new home Billie JO!
Very professional staff!!
Reply from Ginny Phillips
October 24th, 2025 03:18 PM
Thanks so much!
Ginny was great! I was not a fan of the automatic gernerated emails. Would have preferred a call first, but over all I would do other transactions with Ginny!
Reply from Ginny Phillips
October 20th, 2025 09:18 PM
Jason - you rock!
Ginny and her team were absolutely amazing and communicated very well every step of the way! We are so thankful to have been recommended to them! Hands down, will be using them again if needed in the future.
Reply from Ginny Phillips
October 20th, 2025 09:18 PM
Thanks so much for the amazing review!!! Loved working with you both!
You all were amazing and made the home-buying process about as painless as it could be. Thank you so much for everything!
Reply from Ginny Phillips
October 20th, 2025 09:19 PM
So excited for you and your new home. Thanks for the wonderful review!
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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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Disclaimer
© 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.