Relocating to ,
, ?

A New Job? A Fresh Start? Or Just a Change of Pace?

We’re here to make it easier, with tools and support that travel with you.

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GRAB YOUR free RELOCATION guide

Start your move with confidence. Expert advice and local tips all in one free handbook.

Relocation Guide

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“New City” Fluently

Here's to new beginnings

Relocating can be overwhelming, but it doesn't have to be. Atlantic Bay provides expert guidance, local insights, and a free relocation guide packed with practical tips to help you feel settled before you arrive.

Charlotte, NC
Raleigh, NC
Tri-Cities, TN
Knoxville, TN
Chattanooga, TN

Here’s How We Make TheMortgage Part Easy

The loan process minus the headache

The loan process doesn't have to feel cold and complicated. At Atlantic Bay, we make it feel familiar every step of the way. Our team takes the time to explain everything in plain language, answer your questions, and keep you informed throughout your journey to homeownership.

STEP 1
Talk To a Local Pro

We’ll get to know you, your goals, and your finances – then create a plan that fits your life and budget. No pressure. Just real, reliable guidance.

STEP 2
Explore Your Options

We’ll review your income, credit, and assets to find the loan program that fits your future (not someone else’s script).

STEP 3
Get Pre-Approved

We underwrite your file early in the process, not at the last minute. That means fewer surprises later and a smoother path to closing.

STEP 4
Finish Strong

When it’s time to close, we’re right there with you – reviewing costs, answering questions, and making sure everything’s crystal clear before the big day.

*A pre-approval is not a guarantee of final loan approval. Any material change to credit worthiness, employment status, or financial position may impact final loan approval. All loans subject to satisfactory appraisal, clear property title, and final credit approval.

Crunch the Numbers and Calm the Nerves

Use our mortgage calculator to estimate your monthly cost.*
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*This calculator is made available to you as an informational tool. All examples are hypothetical and are for illustrative purposes only. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on individual scenarios, credit scores and market conditions. Atlantic Bay Mortgage Group does not guarantee the applicability of the above terms in regards to your individual circumstances. This information is not intended to replace the advice of a tax or financial professional.
*This calculator is made available to you as an informational tool. All examples are hypothetical and are for illustrative purposes only. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on individual scenarios, credit scores and market conditions. Atlantic Bay Mortgage Group does not guarantee the applicability of the above terms in regards to your individual circumstances. This information is not intended to replace the advice of a tax or financial professional.
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Hear From the PeopleWho’ve Been There, Too

  • Lee G.
    Charlotte, NC

    "This was my first home and they went out of their way to make sure I was well informed and taken care of. I will definitely be recommending them to anyone in the market for a loan."

    Read the full review
  • Shavaisha H.
    East Spencer, NC

    “Their online tools were incredibly user-friendly, allowing me to track my progress every step of the way.”

    Read the full review
  • Ronny B.
    Charlotte, NC

    “They went above and beyond! They provided so much guidance throughout the process and was always genuinely excited for us. They were always a call or a text away.”

    Read the full review
  • Bradley S.
    Mint Hill, NC

    “Through detailed emails, instructional videos, and calls, they were able to keep us informed and competitive in the market.”

    Read the full review

Wherever You’re Headed, We’re Here to Help Make it Home

Desired Monthly Payment
$800 - $5,000
Are you looking to

By completing this form, I expressly consent and authorize Atlantic Bay Mortgage Group, L.L.C. and its representatives to contact me by phone, 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 future text messages. 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/.

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Fostering, cultivating, and preserving a culture of diversity, equity, and inclusion.

NammbaCharlotte CrownNahrep Southeast Region

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.