Rob Theoharis
Market Leader
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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Rob was amazing! He helped in every aspect of the loan process and more!
Reply from Rob Theoharis
July 30th, 2026 12:46 PM
I'm pleased to know that you felt well-supported throughout the loan process, James. Helping in every aspect is always my goal, and I'm grateful for your kind words. Thank you for choosing me to assist with your purchase. Congratulations my...
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Rob is personable and responsive. He communicates important points extremely well, and it always feels like a conversation, not a dictatorship. He kept me up today via phone, email and text at every step of the way, and did not overburden the...
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Reply from Rob Theoharis
July 16th, 2026 01:04 PM
Jay, I'm pleased to hear that you appreciated my communication style and found it effective throughout your home purchase. It's great to know that you felt informed without being overwhelmed. Thank you for your kind words and for recognizing...
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Rob was able to start and finish our loan in
5 days! Awesome experience!
Reply from Rob Theoharis
July 12th, 2026 02:34 PM
Savannah, I'm glad to hear that you had such a positive experience with your loan process. Completing it in just 5 days is something I'm pleased to have achieved for you. Thank you for sharing your kind words and trusting me with your mortgage...
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Extremely personable and not pushy. Rob worked with me from the beginning back in the fall of 2025 to identify a budget-friendly range, which allowed my wife a reasonable expectation of what we could afford after retirement. I will definitely...
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Reply from Rob Theoharis
July 7th, 2026 10:51 AM
Craig, I'm pleased to know that you found my approach personable and not pushy. Working with you to identify a budget-friendly range was important, and I'm glad it helped set clear expectations for your future. Thank you for considering referring...
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Extremely personable and not pushy. Rob worked with me from the beginning, starting in the fall of 2025, to identify a budget-friendly range, which allowed my wife a reasonable expectation of what we could afford after retirement. I will definitely...
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Rob was absolutely incredible throughout the entire home-buying process. He was thorough, knowledgeable, and always took the time to answer every question we had without ever making us feel rushed. I always knew he had our best interests at...
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Reply from Rob Theoharis
July 6th, 2026 10:51 AM
Alyssa, I'm so pleased to hear that you felt confident and supported during your home-buying journey with me. It's great to know that my guidance helped make the process seamless for you. Thank you for your trust and for recommending me to...
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great job!
Reply from Rob Theoharis
June 24th, 2026 06:57 PM
Thank you, Tim! I'm pleased to know you felt I did a great job. It was a pleasure assisting you with your purchase. Congratulation my friend!!!
We have worked with Rob a few times. He has been great everytime. Easy to work with, professional, very transparent. I will always recommend Atlantic Bay/ Rob!
Reply from Rob Theoharis
June 24th, 2026 12:48 PM
Thank you, Steve, for your kind words and for repeatedly choosing to work with me. I'm pleased to know that you find my approach professional and transparent. Your willingness to recommend Atlantic Bay and myself means a lot. I appreciate you...
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My wife and I can't thank Rob and his team enough! From start to finish there was great communication that really put us at ease. Rob was extremely thorough at explanning the process and helping us feel comfortable with it all. We seriously...
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Reply from Rob Theoharis
June 22nd, 2026 10:41 AM
Dan, I'm so pleased to hear that you and your wife felt at ease with the communication and thorough explanations throughout the process. It's great to know that my team and I could help make your experience a positive one. Thank you for your...
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Rob was knowledgeable and professional. He was transparent in how he conducts business, and for me, that is much appreciated.
Reply from Rob Theoharis
June 15th, 2026 11:22 AM
Patrick, I'm pleased to hear that you found my knowledge and professionalism helpful. Being transparent in my business conduct is important to me, and I'm glad it resonated with you. Thank you for your kind words and for trusting me with your...
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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
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Construction Loan
Medical Professional Mortgages
Fixed Rate Mortgages
Adjustable Rate Mortgages
Cash-Out Refinances
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1999
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 5379
- Licensed in NC
Hobbies
- Bodybuilding, Boat days, Golf, Fishing.
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.