Tom Rybak - Mortgage Banker
Senior Mortgage Banker
Barton College
When other lenders can't figure out the loan, that's when you call me!
I'm Tom Rybak, a mortgage lender specializing in challenging loans that don't fit traditional lending guidelines. I offer DSCR loans for real estate investors, bank stat... Show More
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Business Hours
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8 AM to 5 PM
Tues
8 AM to 5 PM
Wed
8 AM to 5 PM
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Reviews from Web
Tom was recommended to us, & we used him on 2 loans. He is professional, knowledgeable, proactive, helpful, on top of timelines & requirements, & so very nice. We highly recommend Tom!
Tom was recommended to us, & we used him on 2 loans. He is extremely professional, knowledgeable, proactive, helpful, on top of timelines & requirements, & so very nice. We highly recommend Tom.
Reply from Tom Rybak - Mortgage Banker
October 28th, 2026 01:46 PM
Thank you so much for your kind words, Lisa. I'm glad to have been able to assist you with your two loans. You and David were a pleasure to work with. Enjoy your new home in GA.
Tom Rybak - Mortgage Banker has received a review with 5 star rating from GrierCheese
Easy to work with.
Reply from Tom Rybak - Mortgage Banker
October 28th, 2026 01:47 PM
I'm glad to hear that you found it easy to work with me, Grier. I strive to make the process as smooth as possible for my clients.
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.
Reply from Owner
October 14th, 2026 08:27 PM
Thank you so much for your kind words and continued trust! It means a lot to me that what started as one referral has turned into a lasting working relationship. I truly appreciate the opportunity to work with you and your buyers, and I look...
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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.
Reply from Owner
October 14th, 2026 09:05 PM
Thank you so much for the incredible review and, more importantly, for trusting me with five of your mortgage transactions! It means a lot to have earned your confidence over the years. I especially enjoy helping clients with loans that aren't...
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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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Reply from Owner
October 14th, 2026 09:10 PM
I'm grateful for your trust and continued support, April. It's rewarding to hear that my efforts have made the mortgage process smoother for you, especially given the complexities of being self-employed. At Atlantic Bay Mortgage Group, we strive...
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Professional, timely. Explains concepts in a way I can understand. He seeks the best solutions and outcomes for his clients.
Reply from Owner
October 14th, 2026 09:10 PM
Thank you for your positive feedback, Ryan. I'm glad to hear that my explanations and commitment to finding the best solutions were helpful to you. It's my goal at Atlantic Bay Mortgage Group to provide professional and timely service to all...
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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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Reply from Owner
October 14th, 2026 09:10 PM
I'm grateful for your enduring trust and recommendation, Ron. It's rewarding to know that my expertise in bank statement loans and investment property loans has been valuable to you. At Atlantic Bay Mortgage Group, I'm committed to finding...
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Tom was great to work with and helped ease the way during this process. We were first-time homebuyers, and he did a lot to ease our minds and answer our many questions with patience and kindness.
Reply from Tom Rybak
September 9th, 2026 08:33 PM
Thank you so much for the kind words! It was a pleasure helping you through your first home purchase. I’m glad I could make the process easier and answer your questions along the way. Congratulations on your new home!
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About
When other lenders can't figure out the loan, that's when you call me!
I'm Tom Rybak, a mortgage lender specializing in challenging loans that don't fit traditional lending guidelines. I offer DSCR loans for real estate investors, bank statement loans for self-employed borrowers, and Non-QM mortgage solutions. Whether you're a business owner with complicated income, an investor building your portfolio, or someone who's been turned down by another lender, I specialize in finding solutions others may overlook. I don't just do the easy loans. I take pride in solving the tough ones and helping borrowers get to the closing table. Before you give up, give me a call!
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
DSCR Loans
Self-Employed Mortgages
Bank Statement Loans
Specialities
Fha
USDA
Down Payment Assistance
VA
Bank Statements
DSCR
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
Memberships
- NMLS, Kernersville Chamber
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1998
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS #103608
- Licensed in FL, NC, SC, GA & VA
Gallery
Awards
JUCO World Series
Achievements
- JUCO World Series
Hobbies
- Golfing
- Gardening
- Fishing
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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.