Atlantic Bay’s First-Time Homebuyer Hub

The journey to a new home starts with the first step. SmartPath™ to Homeownership is the essential resource for homebuyers in all communities during one of life's biggest purchases. Designed with first-time homebuyers in mind, SmartPath™ offers a broad range of home loans, dedicated services, and a tailor-made roadmap—all in one place. Don’t stress about finding the right mortgage fit on your own; Atlantic Bay has the solution for you!

Let’s Do ThisI Need More Guidance

First-Time Homebuyer Stats

  • The average first-time
    homebuyer is 35 years old.

  • 32% of all homebuyers are
    purchasing for the first time.

  • We closed 5,909 loans for first-time
    homebuyers in 2023.*

  • Of our total purchase loan applicants in 2023, 45% were first-time homebuyers.*

*Based on data obtained from Atlantic Bay Mortgage Group’s Home Mortgage Disclosure Act Loan Application Register and internal metrics for the purchase of a primary residence secured by a first lien as of year-end 12-31-2023.

Want to Buy a Home? Not Sure Where to Start?

Buying a home is a big deal. It's only natural to want to feel prepared for the (exciting) road ahead. Download the First-Time Homebuyer Survival Guide and start your journey with proven expert insights and tips.

Download the Survival Guide

Simplifying Your Path Home

  • 1. Meet your Atlantic Bay Mortgage Banker

  • 2. We’ll carefully review your income and assets

  • 3. And then take a closer look at your credit

  • 4. Next, we’ll find the right loan program for you

  • 5. Complete an Application

  • 6. Get Pre-Approved Faster*

  • 7. Final Approval and Clear to Close

  • 8. Home Sweet Home

*A pre-approval is not a guarantee of a 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.

Tools and Resources
at Your Fingertips

Explore our catalog of

  • Mortgage Calculator

    Carry the one…divide by…

    Use our mortgage calculator to estimate your mortgage costs without the hassle of counting on your fingers.

    Run the Numbers

  • First-Time Homebuyer Survival Guide

    We invite you to use this survival guide throughout the entire homebuying process—from start to finish and beyond!

    Download the Survival Guide

  • Homeownership Is Within Reach

    Read these tips to get closer to achieving your homeownership dreams!
    Read More

  • The Hidden Costs of Homeownership

    Put on your detective cap and solve the mystery of homeownership's hidden fees.
    Read More

  • 3 Ways to Cover Your Down Payment

    We’ve got three methods to finance those funds!
    Read More

  • Lock and Look: Secure Your Rate Before You Find Your Home

    Lock and Look keeps your interest rate safe while you shop.
    Read More

  • 12 Months of Saving for a New Home

    Save all year long and finance the home of your dreams.
    Read More

  • 7 Tips to Help Your Mortgage Banker Help You

    Try our seven tips to help your Mortgage Banker help you!
    Read More

Pre-Approvals Hit Different at Atlantic Bay

Picture this: You're ready to shop for homes, but the competition is fierce, inventory is low, and time is running short. Imagine having a way to stand out to sellers with a pre-approval that shows exactly what you can afford before you even start home shopping. Enter our Fast Track Buyer Advantage program…

Take the next step?

Availability of TBD upfront underwriting is dependent on individual client scenario. A pre-approval is not a guarantee of a 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.

What can you afford?

That’s all fantastic!
So, what’s next?

Your journey to a new home starts with the first step. Click below to get in touch with an Atlantic Bay professional near you.

Let’s Do ThisI Need More Guidance
Lending Peace of Mind
Company
Affiliates
Social
Headquarters

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.