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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Reviews from Web
Everything went smooth and had no problems. Felt very easy buying our new house
Reply from Tom Rybak
July 18th, 2026 09:42 PM
Thank you so much for your kind words! It was a pleasure helping you through the home-buying process. I'm thrilled everything went smoothly and that we could make it feel easy for you. Congratulations on your new home, and if you ever need...
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Working with Tom as my lender was smooth! He was very informative, communicated well, and made sure we had everything we needed!
Reply from Owner
July 18th, 2026 09:46 PM
Thank you so much for your kind words! It was a pleasure working with you, and I'm so glad I could help make the process smooth and keep you informed every step of the way. Congratulations on your new home! I truly appreciate your trust, and...
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Tom was great!! Had a great time with him as my lender! Communicated well, was informative, and very helpful.
Driving a complex and stressful problem-solving process toward a positive and agreeable solution while providing care and confidence throughout.
Reply from Tom Rybak
June 12th, 2026 03:36 PM
Thank you so much for your kind words! Helping clients work through complex situations is what I enjoy most. My goal is always to make the process as smooth as possible while keeping you informed, confident, and supported every step of the...
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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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Reply from Tom Rybak
June 12th, 2026 03:37 PM
Thank you so much for your thoughtful review! It means a lot to know that my communication and responsiveness helped make the home-buying process more comfortable for you. Buying a home is a big step, and I believe trust and clear communication...
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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!
Reply from Tom Rybak
June 12th, 2026 03:38 PM
Thank you so much for your kind words! It was truly a pleasure helping you purchase your first home. I'm glad I could answer your questions and make the process feel quick and stress-free. Buying your first home is a huge milestone, and I’m...
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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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Reply from Owner
June 12th, 2026 03:39 PM
Thank you so much for sharing your experience. I know how frustrating and discouraging it can be to think your dream of homeownership has slipped away after months of effort. I'm grateful you gave me the opportunity to help. I believe in being...
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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.
Reply from Tom Rybak
June 12th, 2026 03:40 PM
Thank you so much for your kind words! Hearing that you went from thinking you might lose your chance at homeownership to finally getting your house means a lot to me. My goal is always to be honest, straightforward, and keep my clients informed...
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Tom Rybak has received a review with 5 star rating from Chris S
Reply from Owner
June 12th, 2026 03:41 PM
Thank you so much, Chris, for the 5-star review! I truly appreciate you taking the time to share your experience. It was a pleasure helping you, and I'm grateful for the trust you placed in me throughout the process. Wishing you all the best,...
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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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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
Primary Serving Area
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.