Licensed in NC, SC & VA

Nelda Cales

Area Sales Manager - Coastal Carolinas | NMLS #450923

51 Kilmayne Drive, Suite 305
Cary, NC 27511
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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.

“My care for the client expands beyond doing their loan; the client becomes family to me.”

Nelda Cales stays in tune with the mortgage industry so she can offer her clients the best mortgage options available. This may include…

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We've collected reviews from my clients so that you can see how I'm doing.

The results are in...

I applied for a traditional loan thru my bank and was denied. I was referred to Atlantic Bay Mortgage. I worked with Nelda Cales. From the first day we spoke and she looked at my financial situation, she had a game plan. She gave me homework and I did it. She updated me on things and gave me helpful tips. I learned a lot from working with her. She was so positive and supportive. We closed on the date we set. She gave me some GREAT numbers at closing. I am so happy I went with them! The whole team was amazing. Buying your first home is scary and emotional, especially when doing it alone. She was so reassuring. I will recommend them to any and everybody I know.

-Cynthia L.


Licensed Loan Officer
Purchase and Refinance

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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

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Nelda Cales

Area Sales Manager - Coastal Carolinas | NMLS #450923
Licensed in NC, SC & VA