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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Robs communication and explaination skills are superior.
Rob is always quick to respond, provides clear and helpful information, and made the process of applying for my mortgage easy and straightforward.
Reply from Rob Theoharis
August 17th, 2026 04:52 PM
I'm pleased to hear that I could make your mortgage application process easy and straightforward, Miranda. Thank you for highlighting the clarity and helpfulness of the information provided. Your feedback is greatly appreciated! Congratulations...
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This was the easiest homebuying experience that I could have imagined . Atlantic Bay was able to lock in the lowest interest rate that I had seen in recent times and I couldn't be happier.
Reply from Rob Theoharis
August 10th, 2026 12:15 PM
I'm glad to hear that your homebuying experience was so smooth, Patrick. Securing the lowest interest rate is always a wonderful outcome, and I'm pleased that we could achieve that for you. Thank you for trusting me and Atlantic Bay with this...
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You were awesome!! Thank you
Reply from Rob Theoharis
August 10th, 2026 12:15 PM
Thank you, Jaymee! I'm happy to hear you had a great experience with my assistance. Your kind words are much appreciated.
Rob was more than just great at his work. He was what I imagine the highest bar being for a broker in this business. He was absolutely fantastic! I am grateful I got to work with Rob Theoharis.
Reply from Rob Theoharis
August 10th, 2026 12:16 PM
Thank you, Trey, for your generous words. I'm pleased to hear that you felt my work set a high standard in the industry. It was a great opportunity to assist you with your home purchase, and I'm grateful for your appreciation. Congratulations...
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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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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.