Atlantic Bay Mortgage Group - Winston Salem-S..., NC
Winston Salem, 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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Very smooth during the whole process
I started using Tom a couple of years ago because my buyers family knew Tom. I was so impressed that I have been using him ever since.
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Great communication. Thanks
I contacted 5 different people for loans and quotes. She was the best choice. Kind. Respectful. And most of all, helpful. Always had time for conversations and explanations. Especially as a first time home buyer, she broke it all down and didn’t...
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I contacted 5 lenders for quotes. Tammy was the best one. She was kind, respectful, intelligent, and most of all, helpful. Always available for a conversation with questions or explanation. Even brought a small housewarming gift when we closed...
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Reply from Tammy Sexton Smith
October 9th, 2026 07:30 PM
I am very thankful I could help you Josiah, and very happy for you in purchasing your new home! Wishing you the Best Always!
Tom is simply the best!! He has helped us with 5 purchases and refinances. He was able to get us a rental property loan and a bank statement loan! Highly recommend him if you are needing any type of mortgage loan.
Tom was recommended by a friend years ago I have used him in several transactions , I can assure you, you won’t find anyone with more knowledge or experience. Being self employed can be a difficult and challenging process but Tom takes the...
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Professional, timely. Explains concepts in a way I can understand. He seeks the best solutions and outcomes for his clients.
I’ve had the pleasure of working with Tom Rybak for many years. He is extremely knowledgeable when it comes to bank statement loans, investment property loans, and those tough deals that require experience and creative solutions. He’s a true...
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Thank you Karla Amaya for your time and helping us through the process to make our dream come true. We appreciate all you did.
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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)
Licenses
- NMLS# 463975
Gallery
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.