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	<title>Atlantic Bay Mortgage Group &#187; salem office</title>
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	<link>http://www.atlanticbay.com</link>
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		<title>Bob Williams, Vice President</title>
		<link>http://www.atlanticbay.com/bobwilliams</link>
		<comments>http://www.atlanticbay.com/bobwilliams#comments</comments>
		<pubDate>Fri, 19 Sep 2008 20:57:00 +0000</pubDate>
		<dc:creator>Atlantic Bay</dc:creator>
				<category><![CDATA[salem office]]></category>

		<guid isPermaLink="false">http://onlyreversemortgageinfo.com/?p=65</guid>
		<description><![CDATA[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]]></description>
			<content:encoded><![CDATA[<p><img class="mbpic" title="Bob Williams Vice President" src="wp-content/uploads/MB/bobwilliams.jpg" alt="Bob Williams Photo" /><br />
<strong>Salem Office</strong><br />
<a href="https://www.secureloandocs.com/apply.php?id=36309094&#038;loId=7254" target="_blank"><img class="apply" title="Apply Now" src="wp-content/uploads/apply-now-button.gif" alt="Apply Now" /></a><br />
1615 East Main Street<br />
Salem, Virginia 24153<br />
<strong>Cell: 540.537.3112<br />
Phone: 540.986.0270 ext. 309</strong><br />
Fax: 888.593.4349<br />
Email: bobwilliams@atlanticbay.com<br />
Website: www.atlanticbay.com/bobwilliams</p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Melvin Scales, Branch Manager</title>
		<link>http://www.atlanticbay.com/melvinscales</link>
		<comments>http://www.atlanticbay.com/melvinscales#comments</comments>
		<pubDate>Fri, 19 Sep 2008 20:44:44 +0000</pubDate>
		<dc:creator>Atlantic Bay</dc:creator>
				<category><![CDATA[salem office]]></category>

		<guid isPermaLink="false">http://onlyreversemortgageinfo.com/?p=63</guid>
		<description><![CDATA[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]]></description>
			<content:encoded><![CDATA[<p><img class="mbpic" title="Melvin Scales Branch Manager" src="wp-content/uploads/MB/melvinscales.jpg" alt="Melvin Scales Photo" /><br />
<strong>Salem Office</strong><br />
<a href="https://www.secureloandocs.com/apply.php?id=36309094&#038;loId=7253" target="_blank"><img class="apply" title="Apply Now" src="wp-content/uploads/apply-now-button.gif" alt="Apply Now" /></a><br />
1615 East Main Street<br />
Salem, Virginia 24153<br />
<strong>Cell: 540.354.7957<br />
Phone: 540.986.0270 ext. 313</strong><br />
Fax: 540.986.0284<br />
Email: melvinscales@atlanticbay.com<br />
Website: www.atlanticbay.com/melvinscales</p>
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		<item>
		<title>Jason Bialek, Senior Mortgage Banker</title>
		<link>http://www.atlanticbay.com/jasonbialek</link>
		<comments>http://www.atlanticbay.com/jasonbialek#comments</comments>
		<pubDate>Mon, 15 Sep 2008 21:01:45 +0000</pubDate>
		<dc:creator>Atlantic Bay</dc:creator>
				<category><![CDATA[salem office]]></category>

		<guid isPermaLink="false">http://onlyreversemortgageinfo.com/?p=66</guid>
		<description><![CDATA[Salem Office 1615 East Main Street Salem, Virginia 24153 Phone: 540.986.0270 ext. 3225 Fax: 540.986.0284 Email: jasonbialek@atlanticbay.com Website: www.atlanticbay.com/jasonbialek Biography: Jason has lived in southwest Roanoke County for most of his life. He is a graduate of Cave Spring High School class of &#8217;95 and Radford University class of &#8217;99. He received his MBA in [...]]]></description>
			<content:encoded><![CDATA[<p><img class="mbpic" title="Jason Bialek Mortgage Banker" src="wp-content/uploads/MB/jasonbialek.jpg" alt="Jason Bialek Photo" /><br />
<strong>Salem Office</strong><br />
<a href="https://www.secureloandocs.com/apply.php?id=36309094&amp;loId=7255" target="_blank"><img class="apply" title="Apply Now" src="wp-content/uploads/apply-now-button.gif" alt="Apply Now" /></a><br />
1615 East Main Street<br />
Salem, Virginia 24153<strong><br />
Phone: 540.986.0270 ext. 3225</strong><br />
Fax: 540.986.0284<br />
Email: jasonbialek@atlanticbay.com<br />
Website: www.atlanticbay.com/jasonbialek</p>
<h2 style="margin-top: 20px">Biography:</h2>
<p>Jason has lived in southwest Roanoke County for most of his life. He is a graduate of Cave Spring High School class of &#8217;95 and Radford University class of &#8217;99. He received his MBA in &#8217;03 from the University of Phoenix. Visit www.jasonbialek.com</p>
]]></content:encoded>
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		<item>
		<title>Kelli Mowbray, Senior Mortgage Banker</title>
		<link>http://www.atlanticbay.com/kellimowbray</link>
		<comments>http://www.atlanticbay.com/kellimowbray#comments</comments>
		<pubDate>Wed, 10 Sep 2008 21:10:13 +0000</pubDate>
		<dc:creator>Atlantic Bay</dc:creator>
				<category><![CDATA[salem office]]></category>

		<guid isPermaLink="false">http://onlyreversemortgageinfo.com/?p=67</guid>
		<description><![CDATA[Salem Office 1615 East Main Street Salem, Virginia 24153 Cell: 540.580.3227 Phone: 540.986.0270 ext. 307 Fax: 540.986.0284 Email: kellimowbray@atlanticbay.com Biography Kelli Mowbray came to Atlantic Bay Mortgage Group in January 2005 with 3 years previous experience in the mortgage industry. She is a native of Galax, Virginia and has lived in the Roanoke Valley for [...]]]></description>
			<content:encoded><![CDATA[<p><img class="mbpic" title="Kelli Mowbray Mortgage Banker" src="wp-content/uploads/MB/kellimowbray.jpg" alt="Kelli Mowbray Photo" /><br />
<strong>Salem Office</strong><br />
<a href="https://www.secureloandocs.com/apply.php?id=36309094&amp;loId=7256" target="_blank"><img class="apply" title="Apply Now" src="wp-content/uploads/apply-now-button.gif" alt="Apply Now" /></a><br />
1615 East Main Street<br />
Salem, Virginia 24153<br />
<strong>Cell: 540.580.3227<br />
Phone: 540.986.0270 ext. 307</strong><br />
Fax: 540.986.0284<br />
Email: kellimowbray@atlanticbay.com</p>
<h2 style="margin-top: 20px">Biography</h2>
<p>Kelli Mowbray came to Atlantic Bay Mortgage Group in January 2005 with 3 years previous experience in the mortgage industry. She is a native of Galax, Virginia and has lived in the Roanoke Valley for 20 years. Having bought her first home as a single woman in the 1990’s, she understands that a home is the single largest investment most people ever purchase and takes great pride in helping everyone achieve that milestone. Her knowledge, honesty, integrity, and professionalism have made her our highest rated mortgage consultant for customer satisfaction in the Salem office. Outside of work, Kelli and her husband, Rick enjoy scuba diving, traveling the world, and managing their underwater photography business. They share their photo galleries and adventures via their website www.bluewatervisions.com.</p>
<h2>Preferred Partners</h2>
]]></content:encoded>
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		<item>
		<title>Michael Yates, Mortgage Banker</title>
		<link>http://www.atlanticbay.com/mikeyates</link>
		<comments>http://www.atlanticbay.com/mikeyates#comments</comments>
		<pubDate>Sat, 06 Sep 2008 12:00:35 +0000</pubDate>
		<dc:creator>Atlantic Bay</dc:creator>
				<category><![CDATA[Careers]]></category>
		<category><![CDATA[salem office]]></category>

		<guid isPermaLink="false">http://www.atlanticbay.com/?p=1402</guid>
		<description><![CDATA[Salem Office 230 S. Wayne Ave Waynesboro, Virginia 22980 Cell: 540.314.0142 Fax: 877.793.8289 Email: mikeyates@atlanticbay.com Website: www.atlanticbay.com/mikeyates Looking to Refi? I’m your guy. I started out in the mortgage business lowering client’s monthly payments and improving their cash flow by using different kinds of refinancing tools. If you’re looking to purchase a home, I’ve also [...]]]></description>
			<content:encoded><![CDATA[<p><img class="mbpic" title="Michael Yates, Mortgage Banker" src="wp-content/uploads/MB/michaelyates.jpg" alt="Michael Yates Photo" /><br />
<strong>Salem Office</strong><br />
<a href="https://www.secureloandocs.com/apply.php?id=36309094&amp;loId=7830" target="_blank"><img class="apply" title="Apply Now" src="wp-content/uploads/apply-now-button.gif" alt="Apply Now" /></a><br />
230 S. Wayne Ave<br />
Waynesboro, Virginia 22980<br />
<strong>Cell: 540.314.0142<br />
</strong><br />
Fax: 877.793.8289<br />
Email: mikeyates@atlanticbay.com<br />
Website: www.atlanticbay.com/mikeyates</p>
<h2 style="padding-top: 45px;">Looking to Refi? I’m your guy.</h2>
<p>I started out in the mortgage business lowering client’s monthly payments and improving their cash flow by using different kinds of refinancing tools. If you’re looking to purchase a home, I’ve also got the mortgage skills to put the best possible deal together for you!  Call me today, or &#8211; better yet click on the Apply Now button!</p>
<h2>About Me</h2>
<ul>
<li>Born and raised in the Roanoke Valley.</li>
<li>Graduated from Lord Botetourt High School.</li>
<li>Business degree from Concord University.</li>
<li>Originating mortgages since 2005.</li>
</ul>
]]></content:encoded>
			<wfw:commentRss>http://www.atlanticbay.com/mikeyates/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Rick Eaton, Certified Mortgage Planning Specialist</title>
		<link>http://www.atlanticbay.com/rickeaton</link>
		<comments>http://www.atlanticbay.com/rickeaton#comments</comments>
		<pubDate>Fri, 05 Sep 2008 23:44:22 +0000</pubDate>
		<dc:creator>Atlantic Bay</dc:creator>
				<category><![CDATA[salem office]]></category>

		<guid isPermaLink="false">http://onlyreversemortgageinfo.com/?p=69</guid>
		<description><![CDATA[Salem Office 1615 East Main Street Salem, Virginia 24153 Phone: 540.986.0270 ext. 305 Email: rickeaton@atlanticbay.com Website: www.atlanticbay.com/rickeaton Biography: I graduated from High Point College with BS degrees in both Business Administration and Economics. Prior to joining Atlantic Bay Mortgage Group in 1997, I worked in customer service for 17 years. I was attracted to this [...]]]></description>
			<content:encoded><![CDATA[<p><img class="mbpic" title="Rick Eaton" src="wp-content/uploads/MB/rickeaton.jpg" alt="Rick Eaton Photo" /><br />
<strong>Salem Office</strong><br />
<a href="https://www.secureloandocs.com/apply.php?id=36309094&amp;loId=7257" target="_blank"><img class="apply" title="Apply Now" src="wp-content/uploads/apply-now-button.gif" alt="Apply Now" /></a><br />
1615 East Main Street<br />
Salem, Virginia 24153<br />
<strong>Phone: 540.986.0270 ext. 305</strong><br />
Email: rickeaton@atlanticbay.com<br />
Website: www.atlanticbay.com/rickeaton</p>
<p style="padding: 15px;">
<h2>Biography:</h2>
<p>I graduated from High Point College with BS degrees in both Business Administration and Economics. Prior to joining Atlantic Bay Mortgage Group in 1997, I worked in customer service for 17 years. I was attracted to this company by the opportunity to help clients purchase their first home and achieve their financial goals. Outside of my career, I’m involved in the local Kiwanis Club as well as other areas of community service. In my spare time, I enjoy sports, especially golfing, and spending time with my family. I take continuing education courses in mortgage financing and have completed certification for CMPS®. Whether you need to refinance your mortgage or obtain financing for a new home, I have hundreds of mortgage programs at my fingertips. Fill out my quick and easy online application and let me find the right one for you!</p>
<h2>Preferred Partners</h2>
<div id="attachment_592" class="wp-caption alignnone" style="width: 230px"><a href="http://www.salemshometeam.com/"><img class="size-medium wp-image-592" title="reremax" src="/wp-content/uploads/2008/09/reremax.jpg" alt="Salem's Home Team" width="220" height="250" /></a><p class="wp-caption-text">Salem</p></div>
<div id="attachment_594" class="wp-caption alignnone" style="width: 300px"><a href="http://www.annsellsroanoke.com/"><img class="size-full wp-image-594" title="reann" src="/wp-content/uploads/2008/09/reann.jpg" alt="Ann Thompson" width="290" height="133" /></a><p class="wp-caption-text">Ann Thompson</p></div>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Rick McCrary, Mortgage Banker/Reverse Mortgage Specialist</title>
		<link>http://www.atlanticbay.com/rickmccrary</link>
		<comments>http://www.atlanticbay.com/rickmccrary#comments</comments>
		<pubDate>Mon, 01 Sep 2008 23:50:23 +0000</pubDate>
		<dc:creator>Atlantic Bay</dc:creator>
				<category><![CDATA[salem office]]></category>

		<guid isPermaLink="false">http://onlyreversemortgageinfo.com/?p=70</guid>
		<description><![CDATA[Salem Office 1615 East Main Street Salem, Virginia 24153 Phone: 540.309.2047 Fax: 540.387.3852 Email: rickmccrary@atlanticbay.com Website: www.atlanticbay.com/rickmccrary Biography: I am 58 years old and a husband of 36 years, a father of 2 married daughters and grandfather of 1 grandson. Over the years I have utilized the equity available in my home to help provide [...]]]></description>
			<content:encoded><![CDATA[<p><img class="mbpic" title="Rick McCrary Mortgage Banker" src="wp-content/uploads/MB/rickmccrary.jpg" alt="Rick McCrary Photo" /><br />
<strong>Salem Office</strong><br />
<a href="https://www.secureloandocs.com/apply.php?id=36309094&amp;loId=7258" target="_blank"><img class="apply" title="Apply Now" src="wp-content/uploads/apply-now-button.gif" alt="Apply Now" /></a><br />
1615 East Main Street<br />
Salem, Virginia 24153<br />
Phone: 540.309.2047<br />
Fax: 540.387.3852<br />
Email: rickmccrary@atlanticbay.com<br />
Website: www.atlanticbay.com/rickmccrary</p>
<h2>Biography:</h2>
<p>I am 58 years old and a husband of 36 years, a father of 2 married daughters and grandfather of 1 grandson. Over the years I have utilized the equity available in my home to help provide for college, weddings, investment property, vacation homes and other needs and wants. I have seven years of mortgage experience as a Mortgage Banker with all types of mortgage programs and now specialize in Equity Management and Senior Reverse Mortgage Education. As an Equity Management Strategist I work closely with you, your CPA, your Financial Planner and your Insurance Professional to identify your needs and wants and help determine the best solution to achieve these goals. Wise use of equity can help you upgrade to a larger home, buy a vacation home, purchase investment property or make other intelligent investments. As a Reverse Mortgage Specialist I can help you, your parents, relatives or friends over the age of 62 to understand and possibly benefit from the use of a Reverse Mortgage to help provide many necessities and desires for quality retirement living. Please contact me for a confidential no obligation assessment of your situation.</p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Scott Greenway, Mortgage Banker</title>
		<link>http://www.atlanticbay.com/scottgreenway</link>
		<comments>http://www.atlanticbay.com/scottgreenway#comments</comments>
		<pubDate>Wed, 20 Aug 2008 00:01:42 +0000</pubDate>
		<dc:creator>Atlantic Bay</dc:creator>
				<category><![CDATA[salem office]]></category>

		<guid isPermaLink="false">http://onlyreversemortgageinfo.com/?p=73</guid>
		<description><![CDATA[Salem Office 1615 East Main Street Salem, Virginia 24153 Phone: 540.986.0270 Fax: 540.986.0284 Email: scottgreenway@atlanticbay.com Website: www.atlanticbay.com/scottgreenway]]></description>
			<content:encoded><![CDATA[<p><img class="mbpic" title="Scott Greenway Mortgage Banker" src="wp-content/uploads/MB/scottgreenway.jpg" alt="Scott Greenway Photo" /><br />
<strong>Salem Office</strong><br />
<a href="https://www.secureloandocs.com/apply.php?id=36309094&amp;loId=7261" target="_blank"><img class="apply" title="Apply Now" src="wp-content/uploads/apply-now-button.gif" alt="Apply Now" /></a><br />
1615 East Main Street<br />
Salem, Virginia 24153<br />
<strong>Phone: 540.986.0270</strong><br />
Fax: 540.986.0284<br />
Email: scottgreenway@atlanticbay.com<br />
Website: www.atlanticbay.com/scottgreenway</p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>Steve Swicegood, Mortgage Banker</title>
		<link>http://www.atlanticbay.com/steveswicegood</link>
		<comments>http://www.atlanticbay.com/steveswicegood#comments</comments>
		<pubDate>Fri, 15 Aug 2008 00:11:09 +0000</pubDate>
		<dc:creator>Atlantic Bay</dc:creator>
				<category><![CDATA[salem office]]></category>

		<guid isPermaLink="false">http://onlyreversemortgageinfo.com/?p=74</guid>
		<description><![CDATA[Salem Office 1615 East Main Street Salem, Virginia 24153 Cell: 540.239.2996 Phone: 540.986.0270 ext. 315 Fax: 540.986.0284 Email: stephenswicegood@atlanticbay.com Website: www.atlanticbay.com/steveswicegood Biography: I have lived and worked in the New River Valley since 1989 when I attended Radford University. I currently reside in Riner with my wife and 2 year-old daughter. I look forward to [...]]]></description>
			<content:encoded><![CDATA[<p><img class="mbpic" title="Steve Swicegood Mortgage Banker" src="wp-content/uploads/MB/stephenswicegood.jpg" alt="Steve Swicegood Photo" /><br />
<strong>Salem Office</strong><br />
<a href="https://www.secureloandocs.com/apply.php?id=36309094&#038;loId=7730" target="_blank"><img class="apply" title="Apply Now" src="wp-content/uploads/apply-now-button.gif" alt="Apply Now" /></a></p>
<p>1615 East Main Street<br />
Salem, Virginia 24153<br />
<strong>Cell: 540.239.2996<br />
Phone: 540.986.0270 ext. 315</strong><br />
Fax: 540.986.0284<br />
Email: stephenswicegood@atlanticbay.com<br />
Website: www.atlanticbay.com/steveswicegood</p>
<h2>Biography:</h2>
<p>I have lived and worked in the New River Valley since 1989 when I attended Radford University. I currently reside in Riner with my wife and 2 year-old daughter. I look forward to helping you with all your mortgage needs including buying a home, refinancing, or consolidating debt. Give me a call or apply on-line today!</p>
<h2>Preferred Partners</h2>
<div id="attachment_618" class="wp-caption alignnone" style="width: 510px"><a href="http://www.arthurcennamo.com/"><img class="size-full wp-image-618" title="arthur-cennamo" src="/wp-content/uploads/2008/09/arthur-cennamo.jpg" alt="Arthur Cennamo" width="500" height="269" /></a><p class="wp-caption-text">Arthur Cennamo</p></div>
<div id="attachment_619" class="wp-caption alignnone" style="width: 506px"><a href="http://www.alisonwhittaker.com/"><img class="size-full wp-image-619" title="alisonwhittaker" src="/wp-content/uploads/2008/09/alisonwhittaker.jpg" alt="Alison Whittaker" width="496" height="295" /></a><p class="wp-caption-text">Alison Whittaker</p></div>
<div id="attachment_620" class="wp-caption alignnone" style="width: 510px"><a href="http://www.coycarter.com/"><img class="size-full wp-image-620" title="coycarter" src="/wp-content/uploads/2008/09/coycarter.jpg" alt="Coy Carter" width="500" height="289" /></a><p class="wp-caption-text">Coy Carter</p></div>
<div id="attachment_621" class="wp-caption alignnone" style="width: 477px"><a href="http://www.davidjamescustomhomes.com/"><img class="size-full wp-image-621" title="rogerlafon" src="/wp-content/uploads/2008/09/rogerlafon.jpg" alt="Roger Lafon" width="467" height="270" /></a><p class="wp-caption-text">Roger Lafon</p></div>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Tom Frazier, Mortgage Banker</title>
		<link>http://www.atlanticbay.com/tomfrazier</link>
		<comments>http://www.atlanticbay.com/tomfrazier#comments</comments>
		<pubDate>Tue, 05 Aug 2008 00:01:15 +0000</pubDate>
		<dc:creator>Atlantic Bay</dc:creator>
				<category><![CDATA[salem office]]></category>

		<guid isPermaLink="false">http://onlyreversemortgageinfo.com/?p=76</guid>
		<description><![CDATA[Salem Office 1615 East Main Street Salem, Virginia 24153 Cell: 540.354.2378 Phone: 540.986.0270 Fax: 540.986.0282 Email: tomfrazier@atlanticbay.com Website: www.atlanticbay.com/tomfrazier Biography: I grew up in Alexandria and Fairfax, VA before spending two years at Virginia Tech. After 18 years as supervisor and manager of a McDonalds, I wanted more time to spend with my family. Atlantic [...]]]></description>
			<content:encoded><![CDATA[<p><img class="mbpic" title="Tom Frazier Mortgage Banker" src="wp-content/uploads/MB/tomfrazier.jpg" alt="Tom Frazier Photo" /><br />
<strong>Salem Office</strong><br />
<a href="https://www.secureloandocs.com/apply.php?id=36309094&amp;loId=7264" target="_blank"><img class="apply" title="Apply Now" src="wp-content/uploads/apply-now-button.gif" alt="Apply Now" /></a><br />
1615 East Main Street<br />
Salem, Virginia 24153<br />
<strong>Cell: 540.354.2378<br />
Phone: 540.986.0270 </strong><br />
Fax: 540.986.0282<br />
Email: tomfrazier@atlanticbay.com<br />
Website: www.atlanticbay.com/tomfrazier</p>
<h2>Biography:</h2>
<p>I grew up in Alexandria and Fairfax, VA before spending two years at Virginia Tech. After 18 years as supervisor and manager of a McDonalds, I wanted more time to spend with my family. Atlantic Bay offered me the chance to control my future and be a part of a company that gives back to its communities through participation with the National Multiple Sclerosis Society’s MS Walks and our own Angel Tree for the Elderly program. Outside of Atlantic Bay, I spend time with my wife and participate in my children’s sports activities. My primary goal is to assist you in making your dream of homeownership a reality. I can find the best mortgage available to meet your specific needs. Fill out this quick and easy online application to find out more.</p>
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