Michelle Galan
Michelle Galan
Mortgage Banker | NMLS #2724799
Licensed in NC

Reach out to me if you have any questions:

Phone(407) 751-9989Mailmichellegalan@atlanticbay.com

Take a minute to tell us what's changed and what you'd like us to focus on. We'll use this information to personalize your upcoming review.

Borrower
What should we flag for you? Check all that apply.
Has anything changed in the last year?

(New job, new income, growing family, big purchase coming up. Anything that could affect your financial picture is worth mentioning.)

How do you want to hear back?

Pick whatever works best for you. No pressure to hop on a call.

By providing a telephone number and submitting the form, I expressly consent and authorize Atlantic Bay Mortgage Group, L.L.C. and its representatives to contact me by phone, SMS text message, or email. Message and data rates may apply. You consent to the use of automated dialing systems, prerecorded or artificial voice messages, and AI (Artificial Intelligence) technology to facilitate calls or texts for both marketing and customer service purposes. Message frequency may vary. You can reply “STOP” to opt out of further text messages. Reply HELP for more information. To opt-out of email marketing communication click unsubscribe at the bottom of the email. Your consent is not a condition of any loan application or approval. To learn more about SMS/text correspondence visit https://www.atlanticbay.com/online-privacy-policy#sms-terms-and-conditions. For information on how we protect your data and respect your privacy, please review our Privacy Policy. To opt out of marketing communications, visit https://www.atlanticbay.com/opt-out/.

See What Your Equity Is Worth

Your home may be worth more than you think. We'll show you what you've built and what you could do with it.

Pay It Off Faster

If it makes sense, we'll show you exactly what it would take to own your home free and clear sooner than you planned.

Lower Your Payment

Loan recasting to insurance reviews, there are more ways to reduce your monthly payment than most people realize. Let's find yours.

Get Rid of PMI

Rising home values work in your favor. If your loan-to-value has improved, you may be able to drop that extra monthly cost for good.

An annual mortgage review is a complimentary check-in with your Mortgage Banker to make sure your loan is still aligned with your financial goals. We'll review your equity, monthly payment, mortgage insurance, interest rate, and any life changes that could affect your options.

A lot can change in a year. Home values may rise, interest rates shift, and your financial goals may even evolve. An annual review helps identify opportunities to save money, build equity faster, or prepare for the future.

No. Your annual mortgage review doesn’t require a hard credit inquiry and will not impact your credit score.

Possibly. If your home's value has increased or you'vepaid down enough of your loan balance, you may qualify to remove private mortgage insurance (PMI). We'll review your situation and explain your options.

In most cases, nothing at all. We'll already have much of your mortgage information on file. If there have been significant changes to your income, employment, assets, or future plans, we'll discuss those during the review.