Atlantic Bay Sr. Mortgage Banker Tom Rybak, NMLS #103608

Tom

  • Tom Rybak
  • Sr. Mortgage Banker
  • NMLS #103608
  • Licensed in FL, NC, SC

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 100 Virginia Beach, VA 23452.

A little more about me.

Not What, But Why!

I believe home should be your happy place—a space where you can grill steaks in the outdoor kitchen, throw the ball to your dog, and unwind knowing you're safe, secure, and at peace. That’s why I love what I get to do every day—helping others build their own version of “home,” no matter where they start. Growing up with very little lit a fire in me early on: I knew I wanted something different, not just for myself, but for others who might not believe they can have it.

That belief—that everyone deserves a chance to own a home—is the heartbeat of my work. Some people walk in confident. Others come in convinced they’ll never qualify. I love showing them they can. Whether it's a first-time buyer or a family with a complicated situation, I don’t shy away. I lean in. I fight for them. If the deal is hard, that’s when I dig in deeper. I’ve been doing this long enough to know that every hurdle has a solution—you just have to care enough to find it!

Sports taught me to push through, to play with heart, and to welcome honest feedback. My parents showed up to nearly every game and told me the truth—even when it stung—and I carry that mindset with me now. I’m not easily offended, and I know how to take the tough stuff in stride. Clients can feel that calm, especially when things get tense. My go-to line during stressful closings? “We got this.” Because we really do.

And maybe that’s the best way to explain my Why. I’m not in this for the quick wins. I’m in it for the long game—for people, for families, for dogs that turn houses into homes, and for those backyard moments that remind you the best chapters are what’s still to come. This is what drives me every day. And this is why I’ll always show up and give it everything I’ve got.

I believe home should be your happy place—a space where you can grill steaks in the outdoor kitchen, throw the ball to your dog, and unwind knowing you're safe, secure, and at peace. That’s why I love what I get to do every day—helping others build their own version of “home,” no matter where they start. Growing up with very little lit a fire in me early on: I knew I wanted something different, not just for myself, but for others who might not believe they can have it.

That belief—that everyone deserves a chance to own a home—is the heartbeat of my work. Some people walk in confident. Others come in convinced they’ll never qualify. I love showing them they can. Whether it's a first-time buyer or a family with a complicated situation, I don’t shy away. I lean in. I fight for them. If the deal is hard, that’s when I dig in deeper. I’ve been doing this long enough to know that every hurdle has a solution—you just have to care enough to find it!

Sports taught me to push through, to play with heart, and to welcome honest feedback. My parents showed up to nearly every game and told me the truth—even when it stung—and I carry that mindset with me now. I’m not easily offended, and I know how to take the tough stuff in stride. Clients can feel that calm, especially when things get tense. My go-to line during stressful closings? “We got this.” Because we really do.

And maybe that’s the best way to explain my Why. I’m not in this for the quick wins. I’m in it for the long game—for people, for families, for dogs that turn houses into homes, and for those backyard moments that remind you the best chapters are what’s still to come. This is what drives me every day. And this is why I’ll always show up and give it everything I’ve got.

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.
*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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Homeowners insurance: a standard insurance policy that covers damage to your home and protects your personal property.

from AB Insurance.

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