Kathryn Yerkey -Mortgage Banker

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Kathryn Yerkey -Mortgage Banker NMLS #786501| Licensed in VA, NC & FL | Atlantic Bay Mortgage Group| NMLS #72043| www.nmlsconsumeraccess.org|
Equal Opportunity Lender

10/17/2026

Realtors, let's talk about something that matters beyond the closing table. Your money! 💰

Join us Tuesday, October 20, for Money Matters, a two-hour CE class focused on managing finances, reducing your tax burden, and improving profitability.

We'll be at the Roanoke Valley Association of REALTORS® from 10 AM to noon. Hope you'll join us!



NMLS # 786501

10/16/2026

A home is personal, and your questions matter to me. Whenever you’re ready, I’d love to help you explore your options.

atlanticbay.com/kathrynyerkey



NMLS # 786501

15 years or 30? A shorter term can save you a lot in interest, while a longer one gives your monthly budget more room to...
10/15/2026

15 years or 30? A shorter term can save you a lot in interest, while a longer one gives your monthly budget more room to breathe. We put the numbers side by side so you can see which fits your goals.
https://myoc.io/kathrynyerkey/QysDQ



NMLS # 786501

Thanks to the incredible efforts of our team during our Month of Service, we packed 2,500 disaster relief kits to help f...
10/14/2026

Thanks to the incredible efforts of our team during our Month of Service, we packed 2,500 disaster relief kits to help families when they need it most.

NMLS # 786501

You’ve found your clients the right home – now they can get the right rate, too, no matter what the markets do! Our Floa...
10/08/2026

You’ve found your clients the right home – now they can get the right rate, too, no matter what the markets do! Our Float Down Flexibility program lets your buyers lock their rate with confidence.

-Clients can lower their rate if markets improve before closing day.

-The upfront fee is refundable if they don’t close, or don’t use the float down.

-Rates rise? Buyers are safe. Rates lower? So is theirs! Call us today to learn more.

For a full list of program terms and conditions, visit https://atlanticbay.com/float-down-terms/.

NMLS # 786501

Agents, this class is for you! If you need CE credits or just want to hear valuable information on taxes as a real esta...
10/07/2026

Agents, this class is for you!

If you need CE credits or just want to hear valuable information on taxes as a real estate professional, join us! Click the link to answer a brief questionnaire for the presenters and to save your spot today!
https://myoc.io/kathrynyerkey/kUHcg

NMLS # 786501

10/07/2026

Conventional buyers can start their happy dance!
We’ve raised our one-unit conforming loan limit to $845,000 (up from $832,750).
We're getting ahead of the FHFA's official 2027 announcement so more buyers can enjoy the benefits of Freddie Mac/Fannie Mae conventional financing—without needing a jumbo loan.
Let's see what’s possible!



NMLS # 786501

Big news for move-up buyers!Fannie Mae has updated its rental income guidelines, making the path to investment homes pot...
10/06/2026

Big news for move-up buyers!
Fannie Mae has updated its rental income guidelines, making the path to investment homes potentially smoother.
Thinking about keeping your current home as an investment? Let's talk about how these changes could help.

NMLS # 786501

Coming soon! Look for a change with Fannie Mae and Freddie Mac appraisals! Starting November 2, 2026, they’ll roll out U...
10/01/2026

Coming soon! Look for a change with Fannie Mae and Freddie Mac appraisals!

Starting November 2, 2026, they’ll roll out UAD 3.6. Reports will look a little different, but the goal is happier users through more standardized data in a clearer format.
Former UAD 2.6 appraisals won’t be accepted after the clock strikes midnight November 2. 🕰️
I’ve got all the details you need to know – just reach out!



NMLS # 786501

The headlines don’t always tell the whole story.The Fed just raised its base rate to try and slow inflation.But the Fed ...
09/30/2026

The headlines don’t always tell the whole story.

The Fed just raised its base rate to try and slow inflation.

But the Fed rate is for short-term lending like credit cards. Mortgage rates tend to reflect the bond market and economic conditions.

So if you find a home you love, don’t sit on the sidelines – talk to us to make a plan!
https://myoc.io/kathrynyerkey

NMLS # 786501

Address

12925 Booker T Washington Highway Suite 101
Hardy, VA
24101

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