Mortgage Bankers

Connie Ramsay, Senior Mortgage Banker

Baylor Court Office 517 Baylor Court, Suite A Chesapeake, Virginia 23320 Cell: 757.353.9828 Email: connieramsay@atlanticbay.com Website: www.atlanticbay.com/connieramsay

Emily Pham, VP Business Development

Lynnhaven Branch 613 Lynnhaven Parkway, Suite 100 Virginia Beach, Virginia 23452 Cell: 757.575.3289 Phone: 757.213.1660 ext 537 Fax: 757.333.4896 Email: emilypham@atlanticbay.com Website: www.atlanticbay.com/emilypham FB.init(“be72f42e8947e832320dec7ccfd232e5″); Atlantic Bay on Facebook

Lisa Wynkoop, Senior Mortgage Banker

Lynnhaven Branch 575 Lynnhaven Parkway, Suite 280A Virginia Beach, Virginia 23452 Cell: 757.322.0993 Fax: 757.333.4896 Email: lisawynkoop@atlanticbay.com Website: www.atlanticbay.com/lisawynkoop

Micah Bumps, Mortgage Consultant

Lynnhaven Branch 613 Lynnhaven Parkway, Suite 100 Virginia Beach, Virginia 23452 Cell: 757.286.8980 Office: 757.213.1674 Fax: 757.333.4896 Email: micahbumps@atlanticbay.com Website: www.atlanticbay.com/micahbumps

John Baldwin, Branch Manager

Newport News Office 11715 Jefferson Avenue Newport News, Virginia 23606 Cell: 757.870.4389 Phone: 757.874.6040 ext. 301 Fax: 757.234.0071 Email: johnbaldwin@atlanticbay.com Website: www.atlanticbay.com/johnbaldwin Biography: John has been in the mortgage lending business for more than nine years serving as a Loan Officer, Branch Manager, Senior Manager and more recently as Vice President for peninsula operations. His [...]

Bob Dineen, Branch Manager

Virginia Beach Boulevard Branch Office 2540 Virginia Beach Blvd. Virginia Beach, Virginia 23452 Phone: 757.498.6789 Fax: 757.498.8328 Email: bobdineen@atlanticbay.com Website: www.atlanticbay.com/bobdineen Biography: Bob was the 3rd person to join Atlantic Bay in 1996, and serves as our Operations Manager. Bob & his wife Diane have lived in VA Beach since 1991, and have 3 daughters. [...]

Jeff Verry, Senior Mortgage Banker/Branch Manager

Chesapeake Office 638 Independence Parkway, Suite 250 Chesapeake, Virginia 23320 Cell: 757.407.0534 Phone: 757.819.0305 Fax: 757.419.2955 Email: jeffverry@atlanticbay.com Website: www.atlanticbay.com/jeffverry Let me help you! You’ve got a family doctor and a family attorney. But do you have a Personal Mortgage Banker? My job is to find you the best rate, for the best price, for [...]

Bob Williams, Vice President

Salem Office 1615 East Main Street Salem, Virginia 24153 Cell: 540.537.3112 Phone: 540.986.0270 ext. 309 Fax: 888.593.4349 Email: bobwilliams@atlanticbay.com Website: www.atlanticbay.com/bobwilliams

Melvin Scales, Branch Manager

Salem Office 1615 East Main Street Salem, Virginia 24153 Cell: 540.354.7957 Phone: 540.986.0270 ext. 313 Fax: 540.986.0284 Email: melvinscales@atlanticbay.com Website: www.atlanticbay.com/melvinscales

Bob Macomber, Sales Manager

Virginia Beach Boulevard Branch Office 2540 Virginia Beach Blvd. Virginia Beach, Virginia 23452 Phone: 757.498.6789 Ext. 329 Email: bobmacomber@atlanticbay.com Website: www.atlanticbay.com/bobmacomber Biography: Bob has been in the mortgage lending business for nine years serving as Sales Manager of the Virginia Beach office as well as Vice President and Corporate Trainer. His hobbies include golf, fishing [...]