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Legal Notices

Important Disclosures from Atlantic Bay Mortgage Group L.L.C.

The Federal Equal Credit Opportunity Act (ECOA) Notice

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract): because all or part of the applicant’s income is derived from a public assistance program; or because the applicant has in good faith exercised any rights under the Consumer Credit Protection Act. The Federal Agency that administers compliance with this law concerning this creditor is: Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. We are required to disclose to you that you need not disclose income from alimony, child support or separate maintenance payment if you choose not to do so.

Under ECOA, we will ask you to confirm your intent to apply jointly for credit if you wish to have a co-borrower.

US Patriot Act - Identification Document Requirements

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies every customer. What this means to you: When you apply for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a valid form of identification; including, but not limited to your driver’s license or other identifying documents; including, but not limited to:

  • A valid driver's license
  • A valid state identification card
  • Military identification card
  • Un-expired passport
  • Non-resident alien card

Other forms of identification may be acceptable in certain situations

For Residents of Texas

IN TEXAS – CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 N. LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.


Licensing Information

ATLANTIC BAY MORTGAGE GROUP, L.L.C. IS LICENSED IN THE FOLLOWING STATES:

StateLicenses
AlabamaAlabama Consumer Credit License / Registration #23136Alabama State Banking Department
DelawareLender License/Registration # 020001Delaware Office of the State Bank Commissioner
FloridaMortgage Lender License/Registration # MLD176Mortgage Lender Servicer License/Registration # MLD1359Florida Office of Financial Regulation
GeorgiaMortgage Lender License/Registration # 44971Georgia Department of Banking and Finance
IndianaIndiana Department of Financial Institutions (DFI)Indiana-DFI Mortgage Lending License
KentuckyMortgage Company License/Registration # MC321520Kentucky Department of Financial Institutions
MarylandMortgage Lender License/Registration # 19402Maryland Office of the Commissioner of Financial Regulation
MississippiMississippi Department of Banking and Consumer FinanceMississippi Mortgage Lender License
North CarolinaMortgage Lender License/Registration # L-111843North Carolina Commissioner of Banks Office
New JerseyNew Jersey RMLA-Licensed Mortgage Servicer RegistrationNew Jersey Residential Mortgage Lender LicenseNew Jersey Department of Banking and Insurance
PennsylvaniaPennsylvania Department of Banking and Securities License Number 98700Pennsylvania Mortgage Servicer License License Number 98770Pennsylvania Mortgage Lender License
South CarolinaMortgage Lender / Servicer License #MLS – 72043Mortgage Lender / Servicer License- Other Trade Name #2 #MLS-720343 OTN #2South Carolina Consumer Finance Division of the Board of Financial Institutions
TennesseeMortgage License #110358Tennessee Department of Financial Institutions
TexasMortgage Company License #72043Residential Mortgage Loan Servicer Registration #72043Texas Department of Savings and Mortgage Lending
VirginiaBroker License #MC-936Lender License #MC-936Virginia Bureau of Financial Institutions
Washington, D.C.District of Columbia Department of Insurance, Securities and Banking License Number MLB72043District of Columbia Mortgage Lender License
West VirginiaMortgage Lender License #ML-30542West Virginia Division of Financial Institutions
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Headquarters
  • (757) 213-1660
  • 600 Lynnhaven Parkway
    Suite 100, Virginia Beach
    VA 23452

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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 (nmlsconsumeraccess.org) is an Equal Housing Lender.