Ready to buy your dream home? Start your purchase journey today with competitive rates and expert guidance.
Lower your monthly payments or access your home equity with our refinancing options.
Access calculators, guides, and tools to help you make informed mortgage decisions.
Learn more about our company, explore career opportunities, and discover our impact on the mortgage industry.
Execution to the deadline and communication elite even with unexpected changes! William Chesapeake, VA Bryan Royster Rating: 5.0 out of 5.0 from Encompass
Execution to the deadline and communication elite even with unexpected changes!
Bryan and his team were very knowledgeable and accommodating in assisting me with all that was needed to be a first-time home buyer. The process is very strenuous, and they made it a little easier to navigate. The Virginia Housing Home Buyer Education Course was excellent, and I have shared the information with other home-buyers. From mortgage to ... Sharon K. Newport News, VA Bryan Royster Rating: 5.0 out of 5.0 from Encompass
Bryan and his team were very knowledgeable and accommodating in assisting me with all that was needed to be a first-time home buyer. The process is very strenuous, and they made it a little easier to navigate. The Virginia Housing Home Buyer Education Course was excellent, and I have shared the information with other home-buyers. From mortgage to ...
Bryan made the process quick, smooth, and easy!!! Shelley L. Virginia Beach, VA Bryan Royster Rating: 5.0 out of 5.0 from Encompass
Bryan made the process quick, smooth, and easy!!!
Angela is ALWAYS available even before a contract is signed. Angela helps to ensure Buyers understand the COMPLETE view of their offer, financially, which allows My Clients to make decisions before we are even under contract and limits surprises. I can always count on Angela to work diligently on getting all of My Clients to the finish line with a ... Joe Norfolk, VA Angela Sebree Rating: 5.0 out of 5.0 from Encompass
Angela is ALWAYS available even before a contract is signed. Angela helps to ensure Buyers understand the COMPLETE view of their offer, financially, which allows My Clients to make decisions before we are even under contract and limits surprises. I can always count on Angela to work diligently on getting all of My Clients to the finish line with a ...
We appreciated the smooth process and answers to our questions . In addition to the simplicity and transparency of paperwork ! Monique J. Chesapeake, VA Angela Sebree Rating: 5.0 out of 5.0 from Encompass
We appreciated the smooth process and answers to our questions . In addition to the simplicity and transparency of paperwork !
The app made the process extremly easy! Mary F. South Mills, NC Angela Sebree Rating: 5.0 out of 5.0 from Encompass
The app made the process extremly easy!
Katie and Ira worked tirelessly to make sure this loan was secured despite the many challenges that arose with this particular file Jesse D. Virginia Beach, VA Catherine Hunter Rating: 5.0 out of 5.0 from Encompass
Katie and Ira worked tirelessly to make sure this loan was secured despite the many challenges that arose with this particular file
The process was so easy. I really liked being able to send documents electronically. The team was also great to work with. They were quick to answer questions. It was a great experience Angela Hampton, VA Catherine Hunter Rating: 5.0 out of 5.0 from Encompass
The process was so easy. I really liked being able to send documents electronically. The team was also great to work with. They were quick to answer questions. It was a great experience
Robert Temple I've done business with ROBERT for years always had a great experience Barbara Portsmouth, VA Catherine Hunter Rating: 5.0 out of 5.0 from Encompass
Robert Temple I've done business with ROBERT for years always had a great experience
He was very professional and very knowledgeable he went above and beyond truly exceptional servic, he stayed in touch throughout the process. I'm very pleased. Lisa S. Newport News, VA Jeff Hurd Rating: 5.0 out of 5.0 from Encompass
He was very professional and very knowledgeable he went above and beyond truly exceptional servic, he stayed in touch throughout the process. I'm very pleased.
Timely communication, clear explanation of options, responsive to issues, well connected with qualified other related services (appraiser, title company) , followed up with results for the best possible outcome in purchasing my home- Jeff, Denise and Allison were fantastic through the entire process . Deanna M. Newport News, VA Jeff Hurd Rating: 5.0 out of 5.0 from Encompass
Timely communication, clear explanation of options, responsive to issues, well connected with qualified other related services (appraiser, title company) , followed up with results for the best possible outcome in purchasing my home- Jeff, Denise and Allison were fantastic through the entire process .
After another lender left us hanging on a rural property refinance—something we weren’t even warned about—Jeff and his team stepped in immediately. They secured a DSCR loan for us on better terms than we expected. I’ve worked with Jeff for over five years through my business, and this is exactly why I keep coming back. Smooth, efficient, an... Raul Toano, VA Jeff Hurd Rating: 5.0 out of 5.0 from Encompass
After another lender left us hanging on a rural property refinance—something we weren’t even warned about—Jeff and his team stepped in immediately. They secured a DSCR loan for us on better terms than we expected. I’ve worked with Jeff for over five years through my business, and this is exactly why I keep coming back. Smooth, efficient, an...
Ben was able to answer me every question I had, and Ben answer the phone anytime.. I had an excellent experience with Mr.Spitzer Teodolinda Chesapeake, VA Benjamin Spitzer III Rating: 5.0 out of 5.0 from Encompass
Ben was able to answer me every question I had, and Ben answer the phone anytime.. I had an excellent experience with Mr.Spitzer
Ben & his team made the entire process easy! Highly recommended James D. Suffolk, VA Benjamin Spitzer III Rating: 5.0 out of 5.0 from Encompass
Ben & his team made the entire process easy! Highly recommended
Ben is incredibly smart and easy to work with. And his LOA Andrea is on the ball! I was very blessed to have both of them working on my loan, so my family and I could move into such a nice home!! Thanks Ben! Gregory Virginia Beach, VA Benjamin Spitzer III Rating: 5.0 out of 5.0 from Encompass
Ben is incredibly smart and easy to work with. And his LOA Andrea is on the ball! I was very blessed to have both of them working on my loan, so my family and I could move into such a nice home!! Thanks Ben!
This is my second time working with joey and everyday time its transparent and easy. William M. Portsmouth, VA Joseph Clare Rating: 5.0 out of 5.0 from Encompass
This is my second time working with joey and everyday time its transparent and easy.
My loan agent Joseph Clare made my process of refinancing easy and painless. I was very novice in the relm of refinancing but Mr. Clare was there 24/7 to answer any and all questions that I had and explained the whole process to me step by step. He was patient, understanding, and most import he was honest. He never lead me astray and kept me inform... Andrew Suffolk, VA Joseph Clare Rating: 5.0 out of 5.0 from Encompass
My loan agent Joseph Clare made my process of refinancing easy and painless. I was very novice in the relm of refinancing but Mr. Clare was there 24/7 to answer any and all questions that I had and explained the whole process to me step by step. He was patient, understanding, and most import he was honest. He never lead me astray and kept me inform...
Great to work with would ten out of ten recommend to a friend that would be looking to buy properties or would be looking to improve there credit. Thank you joey. Trevor Norfolk, VA Joseph Clare Rating: 5.0 out of 5.0 from Zillow
Great to work with would ten out of ten recommend to a friend that would be looking to buy properties or would be looking to improve there credit. Thank you joey.
Cailey was exceptional in every way. Her communication skills and ability to navigate through a challenging scenario were excellent. The loan was clear to close ahead of schedule with zero glitches. I would highly recommend Cailey. Amy Front Royal, VA Cailey Auvil Rating: 5.0 out of 5.0 from Encompass
Cailey was exceptional in every way. Her communication skills and ability to navigate through a challenging scenario were excellent. The loan was clear to close ahead of schedule with zero glitches. I would highly recommend Cailey.
Cailey Auvil and the Atlantic Bay Mortgage Team are A+++++, They were a delight to work with. They were very professional and they answered every question and concern we had promptly and accurately. Thank you guys for a smooth process. Mendy Smithfield, VA Cailey Auvil Rating: 5.0 out of 5.0 from Zillow
Cailey Auvil and the Atlantic Bay Mortgage Team are A+++++, They were a delight to work with. They were very professional and they answered every question and concern we had promptly and accurately. Thank you guys for a smooth process.
Cailey is always teh best to work with! Patrick Chesapeake, VA Cailey Auvil Rating: 5.0 out of 5.0 from Encompass
Cailey is always teh best to work with!
He was always and av and answered any and all questions and concerns immediately and just all around great experience Jacob Maple, NC William Lowden Rating: 5.0 out of 5.0 from Encompass
He was always and av and answered any and all questions and concerns immediately and just all around great experience
Respons timly when I had questions. Overall helpful. Yining Virginia Beach, VA William Lowden Rating: 5.0 out of 5.0 from Encompass
Respons timly when I had questions. Overall helpful.
Bill was amazing and on top of everything At all times!! Rachael Maple, NC William Lowden Rating: 5.0 out of 5.0 from Encompass
Bill was amazing and on top of everything At all times!!
Cola Galvin made it great! Love her! Percy G. Edenton, NC Cola Galvin Rating: 5.0 out of 5.0 from Encompass
Cola Galvin made it great! Love her!
From day one, Cola Gavin helped me get a better rate with no fees like other lenders. She helped explain any processes I was unclear on, and responded very quickly. She helped make this first-time home buyer experience seamless. Would strongly recommend Cola Gavin and Homespire! Stephanie Newport News, VA Cola Galvin Rating: 5.0 out of 5.0 from Zillow
From day one, Cola Gavin helped me get a better rate with no fees like other lenders. She helped explain any processes I was unclear on, and responded very quickly. She helped make this first-time home buyer experience seamless. Would strongly recommend Cola Gavin and Homespire!
Cola was very helpful in every way. When I had a question all I had to do is to call her. She made it seem very simple. She was the one that made my purchase of this house happen almost 12 years ago. I would recommend her to anyone that needs a professional to act as your agent. Thank You Cola! Paulingle571 Chesapeake, VA Cola Galvin Rating: 5.0 out of 5.0 from Zillow
Cola was very helpful in every way. When I had a question all I had to do is to call her. She made it seem very simple. She was the one that made my purchase of this house happen almost 12 years ago. I would recommend her to anyone that needs a professional to act as your agent. Thank You Cola!
Great experience! Very simple and happy with how flexible you guys were with us being gone a lot. Peter Norfolk, VA Macy Griffin Rating: 5.0 out of 5.0 from Encompass
Great experience! Very simple and happy with how flexible you guys were with us being gone a lot.
absolutely would recommend Wesley A. Williamsburg, VA Macy Griffin Rating: 5.0 out of 5.0 from Encompass
absolutely would recommend
Wonderful to work with Michael Onancock, VA Macy Griffin Rating: 5.0 out of 5.0 from Encompass
Wonderful to work with
Alex was great to work with. No issues with first time using Cash2Keys program. Thank you Soraya F. Chesapeake, VA Alex Brown Rating: 5.0 out of 5.0 from Encompass
Alex was great to work with. No issues with first time using Cash2Keys program. Thank you
The whole process was very enjoyable! Scott Virginia Beach, VA Alex Brown Rating: 5.0 out of 5.0 from Encompass
The whole process was very enjoyable!
Alex was super helpful every step of they and kept me up to date on any updates/changes and necessary timelines. I am overseas and buying a house is already stressful but she made it a breeze Samantha Virginia Beach, VA Alex Brown Rating: 5.0 out of 5.0 from Encompass
Alex was super helpful every step of they and kept me up to date on any updates/changes and necessary timelines. I am overseas and buying a house is already stressful but she made it a breeze
Ms Mayfield was very hands on and walked us through the process with extreme care. She was a great resource and has vast experience in home finance. She was extremely patient with all of our many questions and responded quickly everytime we reached out to her. Pamela S. Suffolk, VA Tanja Mayfield Rating: 5.0 out of 5.0 from Zillow
Ms Mayfield was very hands on and walked us through the process with extreme care. She was a great resource and has vast experience in home finance. She was extremely patient with all of our many questions and responded quickly everytime we reached out to her.
I purchased a home using Tanja as my Mortgage Officer, she was an excellent choice. My paperwork nightmare was made easier when she offered to pick up documents when I didn't have electronic access to send them to her in a timely manner. I highly recommend her and will use her services again when needed. User8019804 Virginia Beach, VA Tanja Mayfield Rating: 5.0 out of 5.0 from Zillow
I purchased a home using Tanja as my Mortgage Officer, she was an excellent choice. My paperwork nightmare was made easier when she offered to pick up documents when I didn't have electronic access to send them to her in a timely manner. I highly recommend her and will use her services again when needed.
Closed 2 properties with her, she is extremely professional and detail oriented. Pleasant personality and works around the clock to satisfy her client. Reginatindal Suffolk, VA Tanja Mayfield Rating: 5.0 out of 5.0 from Zillow
Closed 2 properties with her, she is extremely professional and detail oriented. Pleasant personality and works around the clock to satisfy her client.
Your team was very patient and kind to us during the many challenging issues that seemed to continually arise throughout the loan process. We are very appreciative of your hard work and dedication. Thank you. Gloria Norfolk, VA Elizabeth Simkins Rating: 5.0 out of 5.0 from Encompass
Your team was very patient and kind to us during the many challenging issues that seemed to continually arise throughout the loan process. We are very appreciative of your hard work and dedication. Thank you.
Super organized and easy process. Edith Virginia Beach, VA Elizabeth Simkins Rating: 5.0 out of 5.0 from Encompass
Super organized and easy process.
impressed with buying a new house with no money out of pocket Benedict Norfolk, VA Elizabeth Simkins Rating: 5.0 out of 5.0 from Encompass
impressed with buying a new house with no money out of pocket
The team is very patient, empathetic, understanding, and informative regarding all the questions and concerns I had. This is just an overall wonderful group I highly recommend. Brittany Portsmouth, VA Bryan Austin Rating: 5.0 out of 5.0 from Encompass
The team is very patient, empathetic, understanding, and informative regarding all the questions and concerns I had. This is just an overall wonderful group I highly recommend.
Outstanding service and caring on a personal level Yndia N. Portsmouth, VA Bryan Austin Rating: 5.0 out of 5.0 from Encompass
Outstanding service and caring on a personal level
He did an excellent job. He was knowledgeable of his job. Laverne A. Virginia Beach, VA Bryan Austin Rating: 5.0 out of 5.0 from Encompass
He did an excellent job. He was knowledgeable of his job.
Kevin is knowledgeable, explained things very thoroughly to my client, kept us abreast during the transaction, and came to closing! Pam Carrollton, VA Kevin O'Neil Rating: 5.0 out of 5.0 from Encompass
Kevin is knowledgeable, explained things very thoroughly to my client, kept us abreast during the transaction, and came to closing!
Excellent communication and knowledge. Thanks, Kevin! Cindy Carrollton, VA Kevin O'Neil Rating: 5.0 out of 5.0 from Encompass
Excellent communication and knowledge. Thanks, Kevin!
Kevin was always available and answered every question I ever had. Thanks Kevin for making this opportunity come together for my family and I. Michael D. Suffolk, VA Kevin O'Neil Rating: 5.0 out of 5.0 from Encompass
Kevin was always available and answered every question I ever had. Thanks Kevin for making this opportunity come together for my family and I.
Scott is very knowledgeable, he presented all of the data for me to make a decision. He and Jennifer make a great team, I reccomend their services to all my friends and colleague. Well done Scott and team. Jeffrey Smithfield, VA Scott Ferguson Rating: 5.0 out of 5.0 from Encompass
Scott is very knowledgeable, he presented all of the data for me to make a decision. He and Jennifer make a great team, I reccomend their services to all my friends and colleague. Well done Scott and team.
I highly recommend Arbor Loans for your home loan needs. I recently set out to purchase a condo and my real estate agent knew the loan process would be complicated for various reasons. When she connected me with Scott Ferguson with Arbor Loans I knew I was in good hands. He was great!! He was able to do what others had not been able to do. Scott an... Karen C. Virginia Beach, VA Scott Ferguson Rating: 5.0 out of 5.0 from Zillow
I highly recommend Arbor Loans for your home loan needs. I recently set out to purchase a condo and my real estate agent knew the loan process would be complicated for various reasons. When she connected me with Scott Ferguson with Arbor Loans I knew I was in good hands. He was great!! He was able to do what others had not been able to do. Scott an...
I can't say enough great things about Scott Ferguson and his incredible team! From the very beginning of my duplex purchase journey, they were kind, patient, and incredibly knowledgeable. Scott made sure I understood every step of the loan process, answered all of my (many!) questions with care, and always made me feel supported and confident in my... Angelica S. Norfolk, VA Scott Ferguson Rating: 5.0 out of 5.0 from Zillow
I can't say enough great things about Scott Ferguson and his incredible team! From the very beginning of my duplex purchase journey, they were kind, patient, and incredibly knowledgeable. Scott made sure I understood every step of the loan process, answered all of my (many!) questions with care, and always made me feel supported and confident in my...
Chris is personable and answered all questions we had throughout the entire process!! Highly reccomend working with chris! Julia M. Norfolk, VA Chris Rice Rating: 5.0 out of 5.0 from Encompass
Chris is personable and answered all questions we had throughout the entire process!! Highly reccomend working with chris!
I've worked with other lenders before but Chris is the best. Chris and his team made the homebuying process effortless for me. I highly recommend him and Atlantic Bay Mortgage if in the market for a new home. Celeste Norfolk, VA Chris Rice Rating: 5.0 out of 5.0 from Zillow
I've worked with other lenders before but Chris is the best. Chris and his team made the homebuying process effortless for me. I highly recommend him and Atlantic Bay Mortgage if in the market for a new home.
On 04/30/2026 at 2:30 pm
Join us for Our Billion Dollar Playbook, a live mastermind designed to help real estate agents win more deals in today’s competitive market. Hear from Wes Costello of AnnieMac Home Mortgage as he breaks down the Cash2Keys suite of products and how to position your buyers like cash. Learn how Cash2Keys can level up your business.