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Financing Frequently Asked Questions

5 Reasons You Should Use Our Financing Team

1. You’ll have a mortgage professional that cares about you.

We will ask you questions, so we can better help you to understand everything about what is likely to be the biggest financial decision of you’re ever going to make.

2. You’ll have a personal mortgage coach.

It doesn’t cost you a thing! We will take your unique situation into account, and explain all the best financing options available for you.

3. You’ll have a broad range of mortgage options to choose from.

Working with Atlantic Bay affords you more advantages than a big bank. We can present you a variety of products to fit your needs — and still control the entire process in house.

4. You’ll close on your house quickly because we are local.

Leverage our understanding of the local housing market, and our longstanding working relationships with local appraisers, REALTORS® and other local industry professionals.

5. You’ll have a mortgage company that cares about your community.

Atlantic Bay’s staff of professionals live in your community too, and are proud to make it a great place to live in. You’ll find them in many civic organizations and charitable events like the MS Walk, AB Cares and Senior Wish List.

Discover The Advantages Of Working With Atlantic Bay

99.4% Customer Satisfaction

Doing right by our clients and business partners is Atlantic Bay’s top priority. Keeping this principle in place throughout the entire mortgage process has earned us a 99.4% customer satisfaction rating.

99.7% Closed By Contract Date

99.7% of all Atlantic Bay loans are closed on or before the contract date. By having a reputation for closing loans with speed and efficiency, we have been able to build better relationships with customers and professionals alike.

T.B.D Loan Underwriting

Unlike most mortgage companies, Atlantic Bay underwrites To Be Determined (TBD) files before the client has a property. This means the client can be fully approved prior to finding a property.

*Data is derived from internal metrics as of 09/2018

Your Personal Mortgage Banker: Heather Todd

Buying a house is often one of the most stressful times in a person’s life. Heather’s experience in the industry and the area will make the mortgage process easy for you to understand. It is her goal to make the transition to home ownership as smooth as possible. You can always expect to be informed and to receive top-notch customer service. Whether you are a military family who is new to the area, a first-time home buyer, buying your retirement home, or purchasing an investment property, Heather Todd will be here every step of the way making sure you are educated and updated on your loan application. She is experienced in VA, FHA, conventional, investment, and jumbo loans and looks forward to helping you achieve the amazing goal of homeownership!

If you are buying your first home, your tenth home, an investment home, are new to the area, or are retiring, let Heather Todd walk side by side with you on your journey towards homeownership. She will be with you every step of the way!



The featured lender has an affiliated business relationship with the EDC Homes. You are under no obligation to use the featured lender for financing. If you have a brokerage relationship with another agency, this is not intended as a solicitation. This communication is provided to you for informational purposes only and should not be relied upon by you. EDC Homes 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. 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 Opportunity Lender. Located at 600 Lynnhaven Parkway Suite 203 Virginia Beach, VA 23452.