Atlantic Bay Sr. Mortgage Banker & Certified Mortgage Advisor Ann Arnesen, NMLS #453374

Ann

  • Ann Arnesen
  • Sr. Mortgage Banker & Certified Mortgage Advisor
  • NMLS #453374
  • Licensed in VA, NC, MD, FL

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.

A little more about me.

Not What, But Why!

The kitchen is the heart of the home…

It’s where laughter echoes, where meals are shared, and where stories are told. Growing up, my family gathered around the dinner table every night, a simple ritual that brought us closer together and shaped my understanding of connection. For me, a home is much more than walls and a roof – it’s a space where people come together, where memories are created, and where relationships flourish.

I’ve always been the one to entertain, to host gatherings, and to bring people together. There’s something truly special about welcoming others in and making them feel comfortable and valued. It’s the same approach I take when working with my clients. I listen, I care, and most importantly, I ask, “Do I have your permission to help you?” Because every journey is personal, and every person deserves to feel heard and supported.

My parents were refugees who found stability and pride in the first home they owned. For nearly 40 years, that house represented safety, possibility, and a future built on hard work and hope. Their journey taught me the deep importance of homeownership and how transformative it can be for a family’s sense of belonging and security.

My passion for helping others find that same sense of home drives everything I do. It’s not just about finding the right house – it’s about helping people find a place where they can gather, grow, and truly be themselves. My purpose is to make that journey smoother, more empowering, and deeply personal, one conversation at a time.

The kitchen is the heart of the home…

It’s where laughter echoes, where meals are shared, and where stories are told. Growing up, my family gathered around the dinner table every night, a simple ritual that brought us closer together and shaped my understanding of connection. For me, a home is much more than walls and a roof – it’s a space where people come together, where memories are created, and where relationships flourish.

I’ve always been the one to entertain, to host gatherings, and to bring people together. There’s something truly special about welcoming others in and making them feel comfortable and valued. It’s the same approach I take when working with my clients. I listen, I care, and most importantly, I ask, “Do I have your permission to help you?” Because every journey is personal, and every person deserves to feel heard and supported.

My parents were refugees who found stability and pride in the first home they owned. For nearly 40 years, that house represented safety, possibility, and a future built on hard work and hope. Their journey taught me the deep importance of homeownership and how transformative it can be for a family’s sense of belonging and security.

My passion for helping others find that same sense of home drives everything I do. It’s not just about finding the right house – it’s about helping people find a place where they can gather, grow, and truly be themselves. My purpose is to make that journey smoother, more empowering, and deeply personal, one conversation at a time.

This is my story.

What can you afford?

Use my mortgage calculator to estimate your monthly cost.*
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*This calculator is made available to you as an informational tool. All examples are hypothetical and are for illustrative purposes only. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on individual scenarios, credit scores and market conditions. Atlantic Bay Mortgage Group does not guarantee the applicability of the above terms in regards to your individual circumstances. This information is not intended to replace the advice of a tax or financial professional.
*This calculator is made available to you as an informational tool. All examples are hypothetical and are for illustrative purposes only. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on individual scenarios, credit scores and market conditions. Atlantic Bay Mortgage Group does not guarantee the applicability of the above terms in regards to your individual circumstances. This information is not intended to replace the advice of a tax or financial professional.
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Homeowners insurance: a standard insurance policy that covers damage to your home and protects your personal property.

from AB Insurance.

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