Licensed in NC & SC

Ryan Bruff

Mortgage Banker | NMLS #907479

1650 Military Cutoff Road
Wilmington, NC 28403
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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.

“What I truly love most about my job is helping people. Being with my customers at the closing, watching the joy on their face, and seeing their dreams come true is what I do this for.”

A tenacious problem solver, Ryan Bruff doesn’t stop until he finds a clear path to the closing table for his clients. Ryan, who started his…

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

The results are in...

After many years of trying and many disappointments of thinking of owning my dream home for myself and my family, it finally happened today as we closed on our home. None of this would have been possible without the help, hard work and extra effort by Ryan Bruff and the team at Atlantic Bay Mortgage Group. Ryan was absolutely wonderful and very upfront about everything from the initial phone call we had to the final closing day. He went the extra mile and then some and took my loan personally, helping us more than I could possibly explain. He was there at all hours of the day to answer my worry calls and calm all my fears of being a first time buyer. Evan when we ran into a few issues, he was there for us to find a solution and move forward to close. I couldn't be more thankful for all his time and effort and even friendship that we have had during this process.

-Cole R.


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

Lending Peace of Mind

Ryan Bruff

Mortgage Banker | NMLS #907479
Licensed in NC & SC