Custom-fit Lending for Your Custom Built Homes

It's not always easy to find the exact house that fits all your needs. So why not build a custom home instead and get a mortgage to match your needs? For homebuyers who want to build their dream home from the ground up, the Construction Loan Program from Atlantic Bay Mortgage Group® may be the best option. For qualified borrowers, we offer flexible financing that can take you through the construction phase and into a permanent mortgage after the home is built.


  • Low down payment options
  • One-time & two-time close options available
  • Construction period up to 12 months
  • One application
  • Streamlined builder approval process
  • No prepayment penalties
  • Extended locks available
  • Available for primary residences and second homes
  • Land + build for as low as 10% with a two-time close construction loan, available for primary residents



  • Streamlined builder approval process
  • Designated underwriting team
  • Higher levels of communication
  • Impeccable history of closing on time
  • No last minute surprises


Atlantic Bay is a Fannie Mae, Freddie Mac, and Ginnie Mae approved lender. We offer many other loan programs as well, including FHA loans, VA loans for qualified active-duty, retired, and former military members, Conventional loans, USDA loans, Jumbo loans, FHA 203{k) loans, and reverse mortgages loans.

Atlantic Bay Mortgage Group, L.L.C.


Additional lender and program restrictions may apply. 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 ( is an Equal Opportunity Lender. Located at 596 Lynnhaven Parkway Suite 200 Virginia Beach, VA 23452.