Tom

  • Tom Kulis
  • Mortgage Banker
  • NMLS #210449
  • Licensed in VA

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. Located at 600 Lynnhaven Parkway Suite 203 Virginia Beach, VA 23452.

A little more about me.

I’ll explain how the mortgage process is going to go and what you can expect. I don’t just tell you what you want to hear.
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Open, honest and straightforward, Tom Kulis has developed time-saving methods that make the mortgage process easy for borrowers, ensuring that their loan will close on time. He has helped over 3,000 families finance their homes through Conventional, VA, USDA and FHA loans.

Tom Kulis launched his career with Atlantic Bay in 1997, setting up shop in a tiny Roanoke office soon after the company was founded, along with owner Brian Mason. He is one of Atlantic Bay’s original mortgage bankers. Tom has a vast amount of product knowledge and has perfected the originating process into a science.

He is extremely systematic and thorough, making the process easier for both the client and the underwriter. Tom says, “I collect all the client’s information up front all at once. If I tell you what I need when I meet with you, I don’t need to meet with you anymore. I don’t have you chasing documents. I very seldom have to call clients to ask for more documents. I get the information upfront and then it is easy.”

Realistic and down to earth, Tom says, “Honest, straightforward communication is very important. I’ll tell you what we need and why we need it. I’ll explain how the mortgage process is going to go and what you can expect. I don’t just tell you what you want to hear. I am going to tell you if there are issues.”

To help facilitate the approval process, Tom carefully scrutinizes each file before giving it to the underwriter and provides only the documentation needed to make a decision. This extra step trims time from the underwriting and approval process, ensuring the loan closes on time.

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What can you afford?

Use my 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.
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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.