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.
Location & Business Hours
Business Hours
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8 AM to 5 PM
Fri
8 AM to 5 PM
Sat
closed
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Reviews from Web
Tom is great to work with got me to closing smoothly and quickly none of my friends believed me when I said I was closing within 20ish days of my offer getting accepted. Highly recommend Tom and Atlantic Bay!
Reply from Owner
April 13th, 2026 03:20 PM
Love this—thank you! Getting you to the closing table fast and smooth is always the goal. Glad we could prove your friends wrong on that timeline
Really appreciate the recommendation—enjoy your new home!
Tom was excellent throughout the entire process I hope I never have to buy a house without him again
Reply from Tom Rybak
October 22nd, 2025 04:02 PM
Thank you so much for the awesome review! It truly means a lot to hear that your homebuying experience was a great one. I always aim to make the mortgage process smooth, stress-free, and personal from start to finish. I’d be honored to help...
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Working with Tom Rybak was a wonderful experience from start to finish! Tom was knowledgeable, patient, and incredibly responsive throughout the entire mortgage process. He took the time to explain every detail, answered all of our questions...
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Reply from Owner
April 13th, 2026 03:21 PM
Thank you so much—this truly means a lot! I’m glad we could make the process feel smooth (and even a little exciting). Helping you find the right loan and making sure you felt confident every step of the way is exactly what I aim for.Really...
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Tom is a seasoned and genuine professional, he truly put my mortgage needs ahead of his personal life calling all hours of the day. If you want someone in your corner who you trust during one of your biggest life purchases, choose Tom. His...
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Reply from Tom Rybak
August 18th, 2025 07:51 PM
Thank you for your generous words, Alex. I'm truly grateful for the trust and confidence you've placed in me during such an important process. Being available to support you whenever you needed was a pleasure, and I'm glad it made a difference...
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Tom was great to work with. He went above and beyond to ensure that I had the correct loan for my needs. And we discussed my down payment needs and made great recommendations. He would even answer the phone on the weekends whenever I called....
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Reply from Owner
September 18th, 2025 05:08 PM
Thank you so much for the kind words and recommendation! I’m glad we could work together to find the right loan option and go over your down payment needs. Clear communication, quick answers (even on weekends!), and making the mortgage process...
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Tom was great to work with. He went above and beyond even entering calls late at night or on the weekend. I would highly recommend Tom to anyone!
Reply from Tom Rybak
August 5th, 2025 06:37 PM
I truly appreciate your thoughtful review, Lenny. It's important to me to be there for my clients whenever they need assistance, and I'm pleased to hear that my availability was helpful for you. Your high recommendation means a lot, and I'm...
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Tom is the best!! Works bery hard in your best interest Top notch
Reply from Tom Rybak
August 5th, 2025 02:34 PM
Thank you so much, Michaela! I'm really glad to hear that you felt I had your best interests at heart. It was a pleasure working with you, and I'm grateful for your trust throughout the process. If you have any future needs or questions, feel...
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Great communicatio!
Reply from Tom Rybak
August 5th, 2025 02:36 PM
Thanks, Bob! I'm pleased to hear that you appreciated the communication. Keeping clients informed and comfortable is important to me. If there's ever anything more I can do for you, just let me know.
Tom really went to bat for us to get us the lowest rate and money down!
Reply from Tom Rybak
August 5th, 2025 02:36 PM
I appreciate your kind words, Dean. It was my goal to secure the best possible deal for you, and I'm glad I could help with the rate and down payment. If you have any questions or need further assistance in the future, I'm just a call away....
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Tom was amazing and helped me close on my first home so smoothly! He is highly recommended and will definitely be using again in the near future.
Reply from Tom Rybak
July 11th, 2025 03:14 PM
Thank you. I'm so happy for you and your son to have a home to make many memories.
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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.