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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Tom Rybak - Mortgage Banker has received a review with 5 star rating from Cedric W
We were in a particular situation, Mr Rybak was opened eared and open hearted with his guidance and great communication. Thanks Again ..
Reply from Tom Rybak
April 13th, 2026 03:15 PM
Really appreciate you sharing this. Thank you! Situations like yours aren’t always simple, so I’m glad I could be there to listen, understand, and help you navigate it step by step.It means a lot that you trusted me through the process. If...
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Tom is an amazing loan officer and very easy to work with. He and his team have a streamlined process, great rates and no surprises. Every time working with Tom has been an excellent experience. I highly recommend Tom if you are purchasing...
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Reply from Owner
April 13th, 2026 03:22 PM
Thank you so much—I really appreciate that! Making things smooth, simple, and surprise-free is always the goal. It’s been a pleasure working with you every time, and I’m grateful for the recommendation!
Tom is an amazing loan officer and very easy to work with. He and his team have a streamlined process, great rates and no surprises. Every time working with Tom has been an excellent experience. I highly recommend Tom if you are purchasing...
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Reply from Tom Rybak
April 9th, 2026 04:39 PM
Thank you so much—I really appreciate this!It means a lot that you noticed how smooth and stress-free the process was. That’s exactly what we aim for every time—clear communication, no surprises, and getting you to the finish line the right...
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It was great. Everything was taken care of quickly and easily and all of our questions were answered in a well explained way.
Reply from Tammy Sexton Smith
April 9th, 2026 10:35 PM
Thank you Olivia for taking the time to submit this survey. I really appreciate you. I hope you & Nicolas love your new home! Stay in touch and I'm always here for you!
for
Thank you so much for the help, and we would recommend you to anyone and everyone.
We had a fantastic experience working with Tammy as our mortgage banker! She was incredibly knowledgeable and took the time to walk us through every step of the process, making sure we fully understood all of our options.Tammy was also extremely...
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Tammy Sexton Smith has received a review with 5 star rating from Kristen C
Easy to work with, supportive and very great communicator!
Reply from Tammy Sexton Smith
March 23rd, 2026 10:09 PM
Thank you Kristen! I'm happy for the opportunity to help you and best wishes always! I'm always here for you!
for
Brad was very responsive and communicated well. Kept me informed and answered any questions I had very quickly and in great detail.
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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.