Zack
- Zack Philmon
- Mortgage Banker
- NMLS #904567
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.
At the core of everything I do is one simple belief: people deserve stability. I bring clarity and certainty to a process that can feel overwhelming. I show up the same way every time, with consistency, honesty, and care. Every client and every partner is treated with respect, fully supported, and genuinely cared for. That is my standard.
Trust is everything in this business, and it’s earned through action. I earn it by doing what I say I’m going to do, communicating clearly, and staying ahead of the process so no one is left guessing. No surprises, just a steady, confident path to the closing table.
This work is personal to me. Growing up, life wasn’t always stable, and I know what it feels like to live without that foundation. Buying my first home changed everything – for the first time, I understood what it meant to have a place to land, to build, and to breathe.
A home is where life happens, where people reset, dream, and build something that lasts.
Helping someone realize they can own a home, especially when they once thought it wasn’t possible, is something I never take lightly. It’s not just about getting to the closing table. It’s about what that moment makes possible. It’s the quiet confidence of knowing you have a place that’s yours … a foundation that lets you move through life with more certainty. More freedom. More peace.
At the core of everything I do is one simple belief: people deserve stability. I bring clarity and certainty to a process that can feel overwhelming. I show up the same way every time, with consistency, honesty, and care. Every client and every partner is treated with respect, fully supported, and genuinely cared for. That is my standard.
Trust is everything in this business, and it’s earned through action. I earn it by doing what I say I’m going to do, communicating clearly, and staying ahead of the process so no one is left guessing. No surprises, just a steady, confident path to the closing table.
This work is personal to me. Growing up, life wasn’t always stable, and I know what it feels like to live without that foundation. Buying my first home changed everything – for the first time, I understood what it meant to have a place to land, to build, and to breathe.
A home is where life happens, where people reset, dream, and build something that lasts.
Helping someone realize they can own a home, especially when they once thought it wasn’t possible, is something I never take lightly. It’s not just about getting to the closing table. It’s about what that moment makes possible. It’s the quiet confidence of knowing you have a place that’s yours … a foundation that lets you move through life with more certainty. More freedom. More peace.
What can you afford?
Homeowners insurance: a standard insurance policy that covers damage to your home and protects your personal property.
from AB Insurance.