BROUGHT TO YOU BY ATLANTIC BAY MORTGAGE GROUP®
FINANCING
LENDING PEACE OF MIND
Building your home should feel exciting, not overwhelming. From blueprints to move-in day, Atlantic Bay guides you through every step with expert care and clear communication. We offer construction-to-permanent and renovation loans tailored to your goals, making the process smooth, simple, and stress free. At Atlantic Bay, it’s more than mortgages. It’s about people, relationships, and helping you bring your dream home to life.
AVAILABLE MORTGAGE OPTIONS
VA Loans
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No down payment and no monthly private mortgage insurance for eligible veterans, active duty service members, and qualifying family members. A one-time VA funding fee may apply.
FHA Loans
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Down payments as low as 3.5% for qualifying borrowers.
Conventional Loans
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Fixed- or adjustable-rate options; low-down programs are available and, for eligible borrowers, financing up to 97% LTV may be possible.
Virginia Housing Loans
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State-specific programs for Virginia residents, including 97% financing and a Plus/second-mortgage to help cover down payment and some closing costs.
USDA Loans
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Designed for eligible rural properties; typically offers 100% financing (no down payment required).
Construction Loans
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Options available to build on your own lot; ask about our construction-to-permanent programs so you only close once.
For questions about any of these loan programs or to start your application, contact Abby today!
ABBY ALLEN
Abby Allen chose a career in the mortgage industry to make a lasting difference for families in the Richmond area and beyond.
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She understands that buying a home can feel complicated at times, which is why she goes above and beyond to make the process as simple and stress-free as possible. Abby prides herself on being available day and night to answer questions, offer guidance, and deliver the kind of personal service her clients deserve.
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A graduate of the University of Georgia, Abby spent two years as a licensed real estate agent before transitioning to mortgage lending. Her deep understanding of both sides of the transaction helps her anticipate her clients’ needs and provide clear, confident direction every step of the way.
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A lifelong Richmond resident, Abby loves spending time with her family and cheering on her favorite football teams.
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Whether you’re buying your first home, investing in another, or exploring a refinance, Abby is here to help you find the best path forward.
Atlantic Bay Mortgage Group, L.L.C. is proud to be a participating lender of Virginia Housing Development Authority. All borrowers must meet VHDA program and lender qualifications. For more information about their programs, visit www.virginiahousing.com/. Other loan program restrictions may apply. Featured builder is not a mortgage lender and so you should contact Atlantic Bay Mortgage Group, L.L.C. directly to learn more about its mortgage products and your eligibility for such products. 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 Opportunity Lender. Located at 600 Lynnhaven Parkway Suite 100 Virginia Beach, VA 23452.