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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The whole team was extremely kind, professional, and quick. They helped my wife and I buy our first home, while walking us through the numbers. 10/5 Team!
Reply from Ginny Francum
May 24th, 2026 12:59 PM
That’s great to hear!! Thank you!
Atlantic Bay Mortgage provided outstanding service in processing our loan for a new home purchase. We experienced the highest degree of professionalism - a thoughtful, efficient, and patient team guiding us through this process.Atlantic Bay...
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We purchased the home we had been renting and were working directly with our landlords on a short time line. Ginny and her entire team helped us navigate every step of the process, including dealing with the VA for our loan. Everyone was patient...
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Professional team. Smooth process throughout .
Reply from Ginny Francum
May 24th, 2026 12:54 PM
Thank you Brandon!!
Love how on top of everything you and your team were. Love how you were available and happy to answer any questions and talk us through parts of the process we needed more clarity on.
Reply from Ginny Francum
May 24th, 2026 12:54 PM
We appreciated you trusting us. Congrats on your new home!
First time homebuyer and was extremely nerv at first but I was reminded throughout the process that ginny and the rest of the team we here for me and to make sure things were set up correctly. The whole team was super friendly and responded...
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Reply from Ginny Francum
May 24th, 2026 12:54 PM
You did it!!
Team Ginny @ Atlantic Bay Mortgage provided outstanding service. The team was thorough, thoughtful, efficient, and patient while guiding us through this process.The team's expertise has completely changed our perspective on the mortgage journey...
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Reply from Ginny Francum
May 24th, 2026 12:53 PM
Such a kind review. Thanks so much!!
Team Gunny was awesome Always available to answer our questions . They made the process so much essier
Reply from Ginny Francum
May 24th, 2026 12:53 PM
Thanks for the great review!
Thank you to everyone on the team, especially Katlyn, Sophie and Ashley, for making this process seamless. We haven't owned a home in 18 years and were not technically in the market to buy right now, but when our landlords gave us the option...
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Reply from Ginny Francum
May 24th, 2026 12:53 PM
Thank you for recognizing them! Congrats on your new home!!
This was our third time purchasing a home and, by far, the smoothest experience we've had with a lender. Ginny and her team made sure we knew what they needed from us, following up via email and text to respond to questions. They were so responsive,...
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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.