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Atlantic Bay Mortgage Group - Kernersville, N...
Kernersville, NC
We understand that no two homebuyers are alike. That's why we find the best financing situations to fit your unique needs.
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I am extremely grateful for Tom and how he worked diligently to make sure I was well informed throughout the entire process. I am a first time home buyer and the entire process was new to me, but Tom definitely made the process simple and easy...
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Reply from Owner
April 13th, 2026 03:17 PM
Thank you so much—I really appreciate that! Buying your first home is a big deal, and I’m glad we could make it feel simple and keep you informed every step of the way. Anytime you need me (even after hours), I’m here for you.
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Thank you for taking the time to thoroughly explain everything throughout the entire process to me and for working to get me the best rate for my loan. I was nervous since this was my first time getting a loan and you made the process simple,...
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Reply from Tom Rybak
April 13th, 2026 03:19 PM
Thank you so much—I really appreciate that! I know that first-time process can feel a little overwhelming, so I’m glad we could make it simple and easy for you. And shoutout to your realtor for the intro—I’m grateful for that too!Enjoy your...
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Tom Rybak has received a review with 5 star rating from Steven S
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Excellent communication!
Reply from Tom Rybak
October 22nd, 2025 04:04 PM
Thanks so much! Great communication makes all the difference in a home loan, and I’m happy you felt supported every step of the way.
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Tom is great to work with got me to closing smoothly and quickly none of my friends believed me when I said I was closing within 20ish days of my offer getting accepted. Highly recommend Tom and Atlantic Bay!
Reply from Owner
April 13th, 2026 03:20 PM
Love this—thank you! Getting you to the closing table fast and smooth is always the goal. Glad we could prove your friends wrong on that timeline
Really appreciate the recommendation—enjoy your new home!
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Tom was excellent throughout the entire process I hope I never have to buy a house without him again
Reply from Tom Rybak
October 22nd, 2025 04:02 PM
Thank you so much for the awesome review! It truly means a lot to hear that your homebuying experience was a great one. I always aim to make the mortgage process smooth, stress-free, and personal from start to finish. I’d be honored to help...
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Working with Tom Rybak was a wonderful experience from start to finish! Tom was knowledgeable, patient, and incredibly responsive throughout the entire mortgage process. He took the time to explain every detail, answered all of our questions...
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Reply from Owner
April 13th, 2026 03:21 PM
Thank you so much—this truly means a lot! I’m glad we could make the process feel smooth (and even a little exciting). Helping you find the right loan and making sure you felt confident every step of the way is exactly what I aim for.Really...
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We had an excellent experience and appreciate all the time and help that was put into helping us make this journey as easy as possible. Ron was always there to help us when we had any questions or was unsure about anything no matter what time...
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Ron was extremely helpful and very knowledgeable of the process from start to finish. He ensured we understood every document sent our way and helped us throughout the entire process. He made our first time home buying process a breeze!
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Ron was wonderful! I have nothing negative to say
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About
We understand that no two homebuyers are alike. That's why we find the best financing situations to fit your unique needs.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Time Zone
Pacific Standard Time (PST)
Disclaimer
© 2022 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.