Lee Ann

A mortgage is more than a rate, a payment, or a transaction. It’s an important financial decision—and I believe you deserve experienced leadership, thoughtful counsel, and personal attention as you make it.

My approach to mortgage banking is centered on guidance rather than pressure. When we sit down together, I want you to feel as though you are the most important person in the room. I will listen carefully, explain your options clearly, anticipate concerns, and help you understand not only what you can do, but what makes sense for your life.

I entered the banking industry in 1988 after a hiring freeze changed my original plan to become a flight attendant. What began with a teller position at an Asheville bank grew into a career spanning nearly four decades. Along the way, I served as a mortgage closing coordinator and led mortgage processing centers throughout North and South Carolina as a Regional Mortgage Manager and Assistant Vice President. In 2006, I brought that operational experience and leadership perspective directly to the people I most wanted to serve—homebuyers.

That broad experience matters. Mortgage lending is detailed, highly technical, and sometimes complicated. My role is to see the whole picture, examine the pieces, propose solutions, and provide steady leadership from the first conversation through closing.

But expertise alone is not enough. Buying or building a home can be deeply emotional, and compassion can easily disappear from a clinical process. My team and I bring both precision and humanity to the experience—soothing nerves, communicating honestly, and creating confidence at every step. When challenges arise, I believe leadership means remaining calm, bringing people together, and helping everyone move toward a solution.

I joined Atlantic Bay in 2014 because I wanted to bring greater dignity to the home-loan process for borrowers and real estate professionals alike. Since then, I have funded more than $250 million in home loans and helped more than 2,000 families pursue homeownership.

Those numbers represent far more than production to me. Behind every loan is a person or family who trusted me with the personal details of their finances, their hopes, and their future—and I never take that trust lightly. To me, mortgage banking is a noble calling. Success is not simply closing a loan. It is helping someone make a wise decision, leading them confidently through the process, and ensuring they feel genuinely cared for while doing it.

A native of Black Mountain, I am proud to serve the community that raised me, as well as homebuyers throughout “The Mountains & Beyond”—North Carolina, South Carolina, Georgia, Tennessee, and Florida.

Service has always been an important part of my life. I am proud to support Asheville Humane Society, Bounty & Soul, The Hope Effect, and Waypoint Adventure—organizations whose work reflects my belief in dignity, belonging, and caring for others. In 2008, my family was honored with North Carolina’s Medallion Award for Volunteer Service for our dedication to the Black Mountain Neuro-Medical Treatment Center.

Outside the office, I enjoy reading, cooking, walking in nature, visiting the Blue Ridge Parkway, fishing, practicing archery, and ending the day with teatime. I treasure time with my family and our two Labradors, as well as quiet moments at my beach home, Ava Moon.

If you are looking for more than a quick rate quote—if you want experienced guidance, thoughtful mortgage counsel, and steady leadership—I would be honored to sit down with you.