Jeff Verry Senior Mortgage Banker

04/03/2026

There’s a group of people no one is really talking to right now…

Not because they don’t want to buy a home.
But because they think they’re not ready.

They say things like:
• “I need to save more”
• “My credit probably isn’t good enough”
• “I’ll wait until rates drop”

And on the surface, that sounds responsible.

But after 20+ years in this business, I can tell you this:

👉 A lot of people are a lot closer than they think.

The biggest gap I see is not money.
It’s not credit.
It’s clarity.

Most people aren’t stuck…
they just haven’t had the right conversation yet.

If you’ve ever wondered where you stand, let’s find out.

No pressure. Just clarity. 🏡

Educational only. Not financial advice.

Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Housing Lender.

03/16/2026

An idea without action is just… an idea.

For a long time, this lived in my head.
Then it moved to paper.
Then it turned into late nights, edits, doubt, persistence, and a lot of work.

And tonight (3/10) … this showed up on my doorstep.
Proof that ideas can turn into something real — but only if you take action.

If you're sitting on an idea right now, this is your reminder:
Start working on it.

You never know what might show up on your doorstep one day.
Release date is March 18th.

An idea without action is just… an idea.For a long time, this lived in my head.Then it moved to paper.Then it turned into late nights, edits, doubt, persiste...

02/18/2026

Everyone wants the lowest mortgage rate.

But here’s the truth most buyers do not hear:

The lowest rate often comes with higher upfront costs.

That can mean:
• discount points
• higher closing costs
• more cash out of pocket

So the real question is not “What’s the lowest rate?”

It’s “How long am I keeping this loan?”

If you pay thousands upfront to save a small amount monthly, it can take years just to break even. Sell or refinance before that, and the math may not work in your favor.

The best mortgage is not the one with the flashiest rate.
It’s the one that fits your timeline, your cash position, and your goals.

Educational only. Not financial advice.

Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Housing Lender.

02/13/2026

I mean… if that line doesn’t work, I don’t know what will. 😂 Valentine’s just feels like the right time to shoot your shot with a little extra confidence. Whether you’re celebrating big or just here for the chocolate, I hope it’s filled with lots of love and definitely a few laughs. 💕

02/11/2026

Thinking about switching jobs while buying a home?

Pause for a minute.

Even if the new job pays more, changing jobs during the mortgage process can cause delays or even force your loan to be re-approved.

Lenders care about one big thing:
Is your income stable and predictable?

A new pay structure, new industry, or probation period can raise questions.

Before making a move, have a quick conversation with your lender.

A 5-minute call can save weeks of stress.

Educational only. Not financial advice.

Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Housing Lender.

02/10/2026

A lot of buyers say, “I’m waiting for rates to drop.”

That sounds smart… but here’s what often happens instead:

⬇️ Rates drop
⏰ Buyers wait
⬆️ Home prices rise

When rates fall, more buyers jump in. More buyers usually means more competition and higher prices.

So even with a lower rate, you may end up paying more for the same home.

A better question than “Should I wait?” is this:
Does the payment fit my life today?

Because buying when the numbers work can give you options later. Waiting usually doesn’t.

Educational only. Not financial advice.

Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Housing Lender.

02/07/2026

No Credit Cards Can Mean a LOWER Credit Score

One of the biggest surprises I see in mortgage lending:

Someone has no late payments, no collections, no bad history…
but their FICO score is only average.

Why?

Because they have no revolving credit (credit cards).

Even if they have student loans, the credit system still wants to see how someone handles revolving debt over time.

No revolving accounts = less history = more uncertainty.

If I were in that situation personally, I’d consider having one simple credit card, using it lightly (like gas), and keeping the balance above zero, but low.

Not to go into debt…
but to build credit history.

If buying a home is in your future, this stuff matters.

Educational only. Not financial advice.

Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Housing Lender.

01/30/2026

Rain, snow, sleet, or shine… the home office is open, and the laptop is never far away ❄️💻

12/15/2025

Housing continues to stand out as a powerful long-term investment!

A recent Fannie Mae / Pulsenomics survey of top economists shows home prices are expected to rise about 2.4% over the next year and more than 20% over the next five years.

What does that mean in real dollars?

On a $500,000 home, that is roughly $12,000 in value growth in the first year

And about $100,000 in appreciation over five years

That is real wealth being built just by owning the home.

Now let’s connect this to the typical buyer. According to Realtor.com, the average down payment in 2025 is about 14.4% of the purchase price. On a $500,000 home, that is around $72,000 down.

If that home gains $100,000 in value over five years, the buyer has effectively turned a $72,000 investment into a $100,000 gain. That is roughly a 138% return on the original down payment, without counting rent saved, tax benefits, or the stability of owning your own home.

That is why housing remains one of the most reliable long-term wealth-building tools available to everyday families.

11/06/2025

5.0 star review received on Experience.com for Jeff Verry by Tayschea N - Jeff and Atlantic Bay made my first home purchase seamless and pain free. 10/10 recommend :)

Click to see all 73 reviews of Jeff Verry, Internal Sales Coach

10/29/2025

Mortgage Rates Just Ticked Up After the Fed’s Announcement – Here’s What’s Really Going On...

If you’ve noticed rates inching higher since the Fed’s meeting this week, take a breath. This is likely a short-term market reaction, not a long-term trend.

Here’s the simple version:

The Fed cut rates by 0.25% and signaled they are done shrinking their balance sheet. Markets had already priced in the cut, but Powell’s cautious tone (“we’re not promising more cuts yet”) made investors nervous. That pushed bond yields up, and since mortgage rates follow those yields, we saw a short-term bump.

What this actually means:

Markets are adjusting emotionally before settling logically.

As data rolls in showing slower inflation or job growth, rates will likely calm back down.

Mortgage rates are still far better than they were earlier this year, and we’re in a more balanced market for buyers.

For Homebuyers:
This is a window of opportunity. Temporary bumps can keep some buyers on the sidelines, which means less competition and more negotiating power for you.

For Homeowners Watching for a Refi:
Now is the time to get prepared, not to panic. Have your documents ready and stay in touch with your loan professional so when the next rate dip comes, you can move quickly.

Bottom line: Markets react fast, but they often overreact. This bump is likely short-lived. Stay patient, stay prepared, and keep your eye on the bigger picture.

If you want to talk through how this affects your specific situation or if I can help you with your mortgage planning in any way, please reach out. It would be my honor to help.

Interest rates should continue their downward journey, as forecasters expect another rate cut from the Fed on Oct. 29. Are more cuts coming?

10/03/2025

Apparently, the new Taylor Swift album dropped 🤷‍♂️ and my wife’s been dancing through the house to it all morning.

Homeownership has its highs and lows — the excitement, the stress, the “are we really doing this?” moments (and believe me, we have asked ourselves that question many times this year!). But then the music comes on, she spins barefoot through the kitchen, and I’m reminded exactly why we do it.

There’s a kind of magic in these imperfect moments — laughter echoing off freshly painted walls, a sense of peace that only comes from knowing you’re home.

I heard Shelley sing along to the new lyrics, “I was the girl who walked on water, now I just walk home.” And for me, home — even with its occasional chaos — is wherever she’s dancing. 💛

If you’re dreaming of your own place to dance barefoot, I’d love to help you take that first step.