

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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Great expereince, very helpful and quick responses!
Reply from Ginny Phillips
May 30th, 2025 06:26 PM
So glad to hear!!! We will circle back when rates are down and refinancing makes sense!
Ginny was a wealth of knowledge, professional, and a joy to work with.
Reply from Ginny Phillips
May 26th, 2025 11:57 AM
Thanks so much Heather!! Congrats on your new home. :)
Made the process easy And kept us on track!
Reply from Ginny Phillips
May 26th, 2025 11:57 AM
You were wonderful to work with!!
Everything went smoothl.
Reply from Ginny Phillips
May 26th, 2025 11:58 AM
We appreciated your responsiveness!! Congrats on your new home!
Patty was fantastic when we met to close/sign documents. She explained everything quickly which helped me, a first time home buyer.
Reply from Ginny Phillips
May 16th, 2025 12:53 PM
Excellent! We are super excited for your new home. Ginny
Ginny and her team were absolutely amazing to work with and helped guide us along the journey to closing on our new house. Everything went extremely smoothly and we appreciated everyone taking time to answer our questions . Thank you for all...
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Reply from Ginny Phillips
May 16th, 2025 12:54 PM
Thanks so much! Referrals are huge for us and appreciate any you can send our way!! Ginny
The document requests to support underwriting seemed to be a bit over the top. If the repeated requests for account statements or screen shots could be limited to just the accounts where funds for closing we coming from, and only required once,...
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Reply from Ginny Phillips
May 15th, 2025 11:57 PM
Thanks so much for your feedback! Congrats on your new home!
We so appreciate everything you and your team did to make our experience so positive. From start to finish we enjoyed superb communication, timely updates/reminders and impeccable follow-through. Thank you to all!!
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Reply from Ginny Phillips
May 15th, 2025 11:57 PM
Thanks Paula! I'll share your kind words with the team!! Ginny
Ginny's team was experienced (as expected), but they were responsive and took the time to have real conversations regarding the many points of consideration along the way. This strikes me as invaluable to buyers like me that just don't go through...
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Reply from Ginny Phillips
May 9th, 2025 03:05 PM
Thanks so much Matt! We enjoyed working with you as well. :)
Of my three home purchaes I made, this has been my best closing! What a fantastic team!
Reply from Ginny Phillips
May 9th, 2025 03:06 PM
Thanks so much!!!
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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.