We purchased our very first home with Atlantic Bay and just came back to refinance — that alone says everything! Ginny and her team were absolutely incredible from start to finish. Their communication, professionalism, and genuine care made the entire process smooth and stress-free. They always took the time to answer our questions and made us feel supported every step of the way. We couldn’t imagine working with anyone else and highly recommend Ginny and her amazing team to anyone buying or refinancing a home!