KA

Karla

  • Karla Amaya
  • Sr. Mortgage Banker
  • NMLS #336441
    • Licensed in NC & SC

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.

Let’s work together to make your homeownership goals a reality.

Contact me

I started in the lending industry back in 2013. I’m passionate about helping clients navigate the home financing process with clarity, confidence, and personalized care. As a bilingual Mortgage Banker fluent in English and Spanish, I take pride in serving a diverse community and ensuring every client feels supported and understood throughout their homeownership journey.

I specialize in a wide range of loan programs—including FHA, VA, Conventional, USDA, DSCR, and first-time homebuyer options—and I’m committed to finding tailored solutions that fit each client’s unique needs. My deep understanding of the local real estate market, along with strong partnerships with realtors and industry professionals, allows me to create a smooth and stress-free lending experience.

Beyond work, I’m a proud mom to an amazing 10-year-old and actively involved in all things motherhood. Family is the heart of everything I do. I’ve been with my life partner, Mario, for more than 20 years, and together we’ve built a life grounded in love, growth, and community. Music is also a big part of who I am—it keeps me inspired, grounded, and connected.

Whether you're buying your first home, refinancing, or exploring your options, I’m here to guide you every step of the way.

I started in the lending industry back in 2013. I’m passionate about helping clients navigate the home financing process with clarity, confidence, and personalized care. As a bilingual Mortgage Banker fluent in English and Spanish, I take pride in serving a diverse community and ensuring every client feels supported and understood throughout their homeownership journey.

I specialize in a wide range of loan programs—including FHA, VA, Conventional, USDA, DSCR, and first-time homebuyer options—and I’m committed to finding tailored solutions that fit each client’s unique needs. My deep understanding of the local real estate market, along with strong partnerships with realtors and industry professionals, allows me to create a smooth and stress-free lending experience.

Beyond work, I’m a proud mom to an amazing 10-year-old and actively involved in all things motherhood. Family is the heart of everything I do. I’ve been with my life partner, Mario, for more than 20 years, and together we’ve built a life grounded in love, growth, and community. Music is also a big part of who I am—it keeps me inspired, grounded, and connected.

Whether you're buying your first home, refinancing, or exploring your options, I’m here to guide you every step of the way.

Contact me

What can you afford?

Use our mortgage calculator to estimate your monthly cost.*
Down Payment Assistance May Be AvailableClick Here to View Programs
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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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Information is for educational purposes only and should not be relied upon by you. 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 Opportunity Lender. #72043 ( nmlsconsumeraccess.org) is an Equal Housing Lender. Located at 600 Lynnhaven Parkway Suite 100 Virginia Beach, VA 23452.