Providing financial confidence.

Thinking about buying a home? Atlantic Bay Mortgage Group understands the key to buying success is educating and providing the right product and lowest interest available to each and every client. Let us go to work for you!

Types of Loans

Perfect solution for excellent credit and larger down payment. From as little as 5% down to larger down payments of 20% or more, conventional mortgage loans offer choices that best fit your financial profile. Lower monthly mortgage insurance and zero monthly mortgage options. Save thousands over the life of the loan.

An affordable solution with low down payment. Federal Housing Authority offers homebuyers a flexible solution. With a 3.5% down payment requirement and more flexible lending requirements, FHA is a very popular mortgage solution.


Active duty, veterans, and National Guard with up to 100% financing. With 100% financing and low down payment requirements for loans over the VA loan limit, this is an ideal solution for military families.

Rural housing, 100% financing solution. Up to 100% financing, low monthly mortgage insurance based on loan balances. Property must be in USDA rural area. Income limits, flexible credit requirements.

FHA 203K
Renovation solution with low down payment. Flexible credit requirements and low down payment options allow homebuyers to improve their home with ease. From decks and patios to finishing an attic, eligible improvements are vast.

Adjustable Rate Mortgage—lower initial rate with lower monthly payments. For the homebuyer who is not expecting to live in their home long, this might be the right solution. With lower monthly payments initially due to lower initial rate. Loan will adjust to fixed rate after initial ARM period, adjusting the monthly payment higher based on current index and loan margin.

Loan programs may change at any time with or without notice. Information deemed reliable but not guaranteed. All loans subject to credit approval and property appraisal. Not a commitment to lend.