Cesar

  • Cesar Zelaya
  • Sr Mortgage Banker
  • NMLS #1050207
  • Licensed in FL, VA, NC, SC, MD
    GA Temporary Authority
    The individual mentioned is currently unlicensed but under temporary authority with the state of Georgia. This individual has submitted a license application to the Department, and the Department may grant or deny the license application.

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.

"I understand that no two homebuyers are alike. That's why I find the best financing situations to fit your unique needs."

I have worked in the mortgage industry for 16 years. I serve North Carolina, Virginia, Florida, Maryland, Georgia, and South Carolina.

I have served more than 500 families in my career. I specialize in Hispanic and first-time homebuyers. My favorite thing about my job is having the ability to assist individuals who never believed homeownership was an option for their family. When my father migrated to the U.S., he quickly realized that homeownership was the way to create generational wealth.

What sets me apart from other Mortgage Bankers is my ability to listen to a person’s needs and structure their loan accordingly. Not just quoting a rate and sitting there. Doing this is key to develop a long-lasting relationship with the borrower and continuous referrals.

When I’m not working, I enjoy mountain biking, grilling, and spending time with close friends and family. My wife Claudia and I just celebrated our 18th anniversary. My daughter Gabriela, 16, is a senior in high school and is currently in the process of touring college. Daniela, my 15-year-old daughter is a sophomore in high school. She’s trying something new, field hockey, and we’re excited to see her development in a team sport. My son Caleb, 13, is in his last year of middle school. During COVID, he became interested in wrestling. He wrestles for his school and is part of a local club. We’re impressed with his determination to work and be better.

I have worked in the mortgage industry for 16 years. I serve North Carolina, Virginia, Florida, Maryland, Georgia, and South Carolina.

I have served more than 500 families in my career. I specialize in Hispanic and first-time homebuyers. My favorite thing about my job is having the ability to assist individuals who never believed homeownership was an option for their family. When my father migrated to the U.S., he quickly realized that homeownership was the way to create generational wealth.

What sets me apart from other Mortgage Bankers is my ability to listen to a person’s needs and structure their loan accordingly. Not just quoting a rate and sitting there. Doing this is key to develop a long-lasting relationship with the borrower and continuous referrals.

When I’m not working, I enjoy mountain biking, grilling, and spending time with close friends and family. My wife Claudia and I just celebrated our 18th anniversary. My daughter Gabriela, 16, is a senior in high school and is currently in the process of touring college. Daniela, my 15-year-old daughter is a sophomore in high school. She’s trying something new, field hockey, and we’re excited to see her development in a team sport. My son Caleb, 13, is in his last year of middle school. During COVID, he became interested in wrestling. He wrestles for his school and is part of a local club. We’re impressed with his determination to work and be better.

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.
$1,305.00
Monthly Payment
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1,013
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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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*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.