Ginny

  • Ginny Phillips
  • Sr. Mortgage Banker
  • NMLS #447959
  • Licensed in VA & NC

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 203 Virginia Beach, VA 23452.

A little more about me.

Buying a home is a significant step and understanding the loan process reduces anxiety. My strength is communicating the details.
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Ginny Phillips has been in the banking/mortgage industry since 2005 and knows that communication is a vital component of ensuring the mortgage process goes smoothly. She is committed to keeping her clients informed throughout the entire loan process. She joined Atlantic Bay in 2013 and is experienced in helping all types of buyers.

Ginny Phillips grew up in a military family and understands the pressure of meeting closing deadlines. She says, “Both my mom and dad were in the Air Force and we moved every three to four years. Having experienced what a military move means — how it works and how it affects the family — is not something you can teach. You have to live it. I love being able to share my knowledge with military buyers and give back in any way I can.”

Not everyone has the same mortgage goal. Asking the right questions helps to uncover what is most important to potential homebuyers. Ginny collects all the basic information from clients from the very first meeting. What is the buyer’s focus? Is it down payment? Is it loan balance? She says, “I think home buyers just want someone who is going to communicate with them and set proper expectations. From the very first time I sit down with clients, I listen, offer options and tell them exactly what’s going to happen step-by-step.”

Ginny says, “Every loan offers a unique opportunity to build a relationship that will last for a lifetime, whether clients are ready to buy now or need some advice on how to position themselves to buy in the future. I always say putting folks into homes is about more than financing. It’s about building pride in a community. Ownership leads to stronger schools and stronger voting numbers. We are all connected and this is just one piece to a puzzle that is much larger than Atlantic Bay. In my 20 years of experience in the finance industry, I have never been more excited about the mortgage industry than I am today.”

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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.
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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.