Licensed in NC, SC, GA & FL

Kristy Gooding

Mortgage Banker | NMLS #643466

34 Orange St.
Asheville, NC 28801
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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 ( is an Equal Housing Lender. Located at 600 Lynnhaven Parkway Suite 203 Virginia Beach, VA 23452.

“One of the most satisfying parts of my work is that I have the ability to counsel my clients through what can be an intimidating and stressful process. I love reducing that burden and helping my clients every step of the way from application to approval to closing.”

Kristy Gooding began her career in the mortgage industry in 1995 after a friend convinced her to give the job a try. “Within months, it felt…

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The results are in...

Kristy was amazingly proficient, professional, and competent. I would not hesitate to recommend her to anyone.

-Eric W.


Licensed Loan Officer
Purchase and Refinance

Financing Tool Kit

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This calculator is made available to you as a self-help tool. All examples are hypothetical and for illustrative purposes only. Any calculations assumes the theoretical borrower will have excellent credit and are based on information you have provided. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on location, loan type, and many other determining factors. This information was prepared by an independent third party, and accuracy is not guaranteed. We encourage you to seek personalized advice from qualified professionals regarding all financial issues and needs.


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Our Mission: Atlantic Bay Cares is the community outreach arm of Atlantic Bay Mortgage Group with the primary goal of changing lives in communities through doing good and giving back to causes meaningful to our employees.

Celebrating More than 20 Years of

Lending Peace of Mind

Kristy Gooding

Mortgage Banker | NMLS #643466
Licensed in NC, SC, GA & FL