Licensed in NC, SC

Terence Guess

Senior Mortgage Banker | NMLS #1400129

7520 E. Independence Blvd, Suite 260
Charlotte, NC 28277
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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.

“I look forward to developing a long lasting relationship with each customer. It’s not about the financial transaction. Educating the client throughout the transaction is what’s most important to me.”

Terence Guess is just like you in many ways. Like you, he has purchased a house, is honest and upfront, and gets the job done. A long-time…

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We would like to give Terence Guess a very special thanks! He was great to work with. Also, to everyone else that helped him with the loan, thanks!

-Status H.


Licensed Loan Officer
Purchase and Refinance

Financing Tool Kit

Hand-picked tools designed to educate and inform

$ 1074.18

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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

Terence Guess

Senior Mortgage Banker | NMLS #1400129
Licensed in NC, SC