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Atlantic Bay Mortgage Group: Tony Garshnick
Producing Sales Manager/Certified Mortgage Planner
Since 1996, we’ve been serving our communities with great loan products, customer service, and expertise. We’re a trusted lender and have stayed true to our core values throughout our more than 25 years. We’ll continue to hold our relations... Show More
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Reviews from Web
Tony was recommended by a close friend and I knew right away he’d be the person to work with to finance my purchase. He was personable and professional. He took his time to explain the process and answer any questions I had. He went beyond...
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Reply from Tony Garshnick
July 24th, 2024 06:22 PM
Thank you, Alex. I thoroughly enjoyed helping you and your family.
We had a great experience working with Atlantic Bay, especially with Tony Garshnick. Applying for a land loan is difficult and stressful because it requires more stringent qualifications. But Tony made it easy and we were approved. He was friendly...
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Reply from Owner
September 7th, 2026 07:01 PM
Joey, thank you so much for the thoughtful review and recommendation. We’re grateful to hear that Tony Garshnick helped make your land loan process feel easier, less stressful, and well supported from application through closing. It means a...
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Tony and his team are super easy to work with and help every step of the way! 10/10
Reply from Owner
September 7th, 2026 07:02 PM
Nick, thank you so much for the kind review and 10/10 recommendation. We’re grateful to hear that Tony Garshnick and his team were easy to work with and helpful every step of the way. Providing clear guidance, dependable support, and a smooth...
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We had a really great experience working with Tony Garshnick! He was incredibly helpful and responsive throughout the entire process and always made himself available when we had questions. He worked hard behind the scenes to keep everything...
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Reply from Owner
September 7th, 2026 07:02 PM
Christi, thank you so much for the thoughtful review and recommendation. We’re grateful to hear that Tony Garshnick was helpful, responsive, and available to answer your questions throughout the entire mortgage process. Working hard behind...
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We had an excellent experience working with Tony Garshnick as our lender for our construction loan. From the very beginning, he was incredibly knowledgeable, professional, responsible, and efficient. A construction loan can be a complicated...
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Reply from Owner
September 5th, 2026 04:40 PM
Thank you, Avril, for the wonderful review. We are thrilled Tony made your construction loan process clear, organized, and stress-free. We appreciate your recommendation and are glad the closing went smoothly for your family. We enjoyed working...
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Tony G at Atlantic Bay is the GOAT.This was our first home and I had no idea what I was doing. He made it so easy. He answered every call (and trust me there was a lot of them) or called me back immediately. He even has videos to walk you through...
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Reply from Owner
August 12th, 2026 09:24 PM
Heather, thank you so much for the amazing review and kind words. We’re grateful to hear that Tony Garshnick made your first home buying experience feel easy, clear, and supported from start to finish. Answering questions, staying responsive,...
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Helped me get the home of my dreams!
Reply from Owner
August 12th, 2026 09:25 PM
David, thank you so much for the kind review. We’re grateful to hear that Tony Garshnick was able to help you secure the home of your dreams. Helping clients move through the mortgage process with confidence and reach such an important milestone...
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Very knowledgeable and made time to answer my questions I had!
Reply from Owner
August 10th, 2026 10:59 PM
Jomana, thank you so much for the kind review. We’re grateful to hear that Tony Garshnick was knowledgeable and took the time to answer your questions throughout the mortgage process. Providing clear guidance, helpful communication, and dependable...
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Tony is a great man...he helped me in everything I needed
Reply from Owner
August 4th, 2026 03:55 PM
German, thank you so much for the kind review. We’re grateful to hear that Tony Garshnick was able to help with everything you needed and provide the support you were looking for throughout the mortgage process. Providing dependable guidance,...
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Atlantic Bay Mortgage Group: Tony Garshnick has received a review with 5 star rating from Kenneth R
Reply from Owner
August 4th, 2026 03:56 PM
Kenneth, thank you so much for the 5-star review. We truly appreciate your support and are grateful for the opportunity to help with your mortgage needs. Tony Garshnick and the Atlantic Bay Mortgage Group team appreciate your trust in Waxhaw,...
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About
Since 1996, we’ve been serving our communities with great loan products, customer service, and expertise. We’re a trusted lender and have stayed true to our core values throughout our more than 25 years. We’ll continue to hold our relationships, culture, commitment to the community, and credibility as our highest mission.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Specialities
Home Loans
Refinance
Purchase Loans
FHA, VA and USDA
Down payment assistance loans
No money down loans with VA and USDA
Loans upto 5 million.
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Memberships
- BNI - Providence Business Partners
- Waxhaw/Weddington Rotary
- Union County Realtor Association
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2002
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 85018
- Licensed in NC & SC
Achievements
- Certified Mortgage Advisor
Hobbies
- Hunting
- Trout Fishing
- Being a Mentor
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Disclaimer
© 2024 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.