Tom Rybak
Senior Mortgage Banker
Barton College
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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Business Hours
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8 AM to 5 PM
Wed
8 AM to 5 PM
Thu
8 AM to 5 PM
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Reviews from Web
Driving a complex and stressful problem-solving process toward a positive and agreeable solution while providing care and confidence throughout.
I received continuous communication with Tom throughout the buying process which was comforting. I really appreciate Tom's personable service with prompt responses. It's important to have trust in the person who walks with you through the process...
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Tom was very friendly and helpful throughout the home buying process. Any questions I had he was there to help. He made buying my first home a quick and painless process!
After dealing with a different company for months, we were told we no longer qualified for our loan. We were put in contact with Tom, and he was very upfront with us. He assured us we would be in good hands(his), and he was right. We truly...
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We were at a point that we thought we would no longer be able to get our house. After coming in contact with Tom, we have our house. Everything was straight up and told to us honestly.
Tom Rybak has received a review with 5 star rating from Chris S
We had an excellent experience with Tom and everyone whom did an amazing job with getting our loan done. It was done in no time and are so pleased with everything and we greatly appreciate everything that Tom has done to help us . Thanks again...
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Reply from Tom Rybak
April 13th, 2026 03:14 PM
Thank you so much for the kind words it truly means a lot! I’m really glad we could make the process smooth and get everything wrapped up quickly for you. My team and I work hard to keep things simple and stress-free, so hearing this makes...
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Tom Rybak 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!
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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
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Specialities
Fha, USDA, Down Payment Assistance, VA, Bank Statements, DSCR and Conventional
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Education
- Barton CollegePhysical Education Teaching and CoachingBachelor of ScienceAug 1992 -May 1995
Positions
- Atlantic Bat Mortgage - Sr. Mortgage BankerAug 1st, 2024 - Current
Addresses and Serving Areas
Serving
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS #103608
- Licensed in FL, NC, & SC
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Hobbies
- Golfing, Gardening, Fishing, Watching Sports
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.