Licensed in VA

Tom Kulis

Mortgage Banker | NMLS #210449

1001 West Main St.
Radford, VA 24141
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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 am dealing with your life and your family’s life. At this point, it’s one of the most important things you have going on. It’s something you only do two or three times in your life and I have to take that seriously.”

Open, honest and straightforward, Tom Kulis has developed time-saving methods that make the mortgage process easy for borrowers, ensuring…

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Tom was very knowledgeable and helpful with this process. He even answered questions after the process was over.

-Delmer O. and Christina O.


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

Tom Kulis

Mortgage Banker | NMLS #210449
Licensed in VA