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
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.
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.
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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Professional, timely. Explains concepts in a way I can understand. He seeks the best solutions and outcomes for his clients.
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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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!
Tom, you did an excellent job and remained available for questions theoughout the process.
Reply from Tom Rybak
September 9th, 2026 08:35 PM
Thank you so much for the kind words! It truly means a lot to me. I’m so glad I could be there for you, answer your questions, and help make the process a little easier. It was a pleasure working with you, and I really appreciate your trust!...
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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.
Reply from Tom Rybak
September 9th, 2026 08:37 PM
Thank you. I really enjoyed working with you and appreciate the trust you placed in me. It was a pleasure helping you through the process, and I’m grateful I could be there to answer questions and keep everything moving smoothly.
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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.