Atlantic Bay - Team Funderburk is dedicated to providing the finest personal service to all of our valued clients and trusted business partners.
“For most people, buying a house is not something they do very often. We do this professionally every day and are really good at it. We bring our expertise and experience to the forefront daily to help our clients accomplish their goals.” – Stephen Funderburk
To date, we’ve been fortunate enough to take part in helping over 93,000 home buyers
While the national average time for closing mortgage loans is 51 days, Atlantic Bay’s closing average is only 27 days. We believe the joy and excitement of homeownership starts the moment you submit your loan application, so we’re intentional about making the closing process smooth and easy.
By having the agency approvals of Ginnie Mae, Freddie Mac, and Fannie Mae, Atlantic Bay is able to provide more flexibility with our programs and products. We offer purchase and re-financing for primary homes, second homes, and investment properties. We lend to single-family residencies, condos, 2-4 unit properties, town homes. Whether you’re looking to buy, build, remodel, or refinance, we offer the following variety of loan options to suit your individual needs.
TBD
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 home.
Conventional
A great option for anyone with good credit and a small down payment.
FHA
These loans are available to everyone and designed to help creditworthy low-income and moderate-income families who may not meet requirements for Conventional loans.
Rural Housing (USDA)
Federal loan program that is used to help low income buyers purchase homes in rural areas.
VA
Government guaranteed loan programs available to Veterans, Active Duty military, reservists, and surviving spouses.
Jumbo Loans
Favorable loan terms for those seeking loan amounts above $417,000 offering as little as 15% down.
Construction
Designed for financing the construction of a home, some with as little as a 5% down payment.
Reverse
For homeowners 62 and older, this loan has very few qualifying requirements and no monthly mortgage payments.
Renovation Loans
We carry both FHA and Conventional full & streamline programs for a borrower looking to renovate their primary residence, second home, or investment property.
One of the things Atlantic Bay is passionate about is giving back to the communities in which we serve. Through our Atlantic Bay Cares (AB Cares) initiative, we have donated over $2 million and helped 115 organizations and charities. AB Cares is driven by the passion of our employees, and the program was designed to reflect the energy and enthusiasm that each of our team members possess. Those helped by the program include the National MS Society, SPCA, Hope Haven, Stop Hunger NOW, Ronald McDonald House, Roc Solid Foundation, Alzheimer’s Association, Salvation Army, American Cancer Society, Senior Services, and many more.
We understand that this process is not about getting a mortgage; it’s about having a home to build your life in. We’d love to help you get there, while giving you a fulfilling and enjoyable experience from start to finish.
"Atlantic Bay Mortgage Group is a mortgage lender where the genuine care and consultation of our clients is our highest mission. We pledge to provide the finest personal service to our clients, who will enjoy the entire mortgage process and become a client for life."
Atlantic Bay Mortgage Group, #72043
www.nmlsconsumeraccess.org
An Equal Opportunity Lender
Residential Loan Programs Available:
T.B.D Loan Underwriting
Conventional
FHA
Rural Housing (USDA)
VA
Jumbo Loans
Construction
Construction 1 Time Close
Reverse
Renovation
Manufactured / Modular Homes
