Tom Rybak Branch Manager

Tom Rybak Branch Manager Tom Rybak
Sr. Mortgage Banker
NMLS #103608
Atlantic Bay Mortgage NMLS #72043
Licensed in NC, SC & FL

5.0 star review received on Experience.com for Tom Rybak by Jerry W - Everything went smooth and had no problems. Felt v...
07/20/2026

5.0 star review received on Experience.com for Tom Rybak by Jerry W - Everything went smooth and had no problems. Felt very easy buying our new house

Click to see all 125 reviews of Tom Rybak, Senior Mortgage Banker

5.0 star review received on Experience.com for Tom Rybak by DeYanna J - Tom  was  great!!  Had  a  great  time  with  hi...
07/12/2026

5.0 star review received on Experience.com for Tom Rybak by DeYanna J - Tom was great!! Had a great time with him as my lender! Communicated well, was informative, and very helpful.

Click to see all 124 reviews of Tom Rybak, Senior Mortgage Banker

5.0 star review received on Experience.com for Tom Rybak by Karen F - I received continuous communication with Tom throu...
06/01/2026

5.0 star review received on Experience.com for Tom Rybak by Karen F - I received continuous communication with Tom throughout the buying process which was comforting. I really appreciate Tom's personable service with prompt responses. It's important to have trust in the person who walks with you through the process and Tom is this person.

Click to see all 121 reviews of Tom Rybak, Senior Mortgage Banker

5.0 star review received on Experience.com for Tom Rybak by Logan D - Tom was very friendly and helpful throughout the h...
05/09/2026

5.0 star review received on Experience.com for Tom Rybak by Logan D - Tom was very friendly and helpful throughout the home buying process. Any questions I had he was there to help. He made buying my first home a quick and painless process!

Click to see all 120 reviews of Tom Rybak, Senior Mortgage Banker

5.0 star review received on Experience.com for Tom Rybak by Amber D - We were at a point that we thought we would no lon...
04/17/2026

5.0 star review received on Experience.com for Tom Rybak by Amber D - We were at a point that we thought we would no longer be able to get our house. After coming in contact with Tom, we have our house. Everything was straight up and told to us honestly.

Click to see all 118 reviews of Tom Rybak, Senior Mortgage Banker

5.0 star review received on Experience.com for Tom Rybak by Christopher S - We  had  an  excellent experience with  Tom ...
04/11/2026

5.0 star review received on Experience.com for Tom Rybak by Christopher S - We had an excellent experience with Tom and everyone whom did an amazing job with getting our loan done. It was done in no time and are so pleased with everything and we greatly appreciate everything that Tom has done to help us . Thanks again for your support and help in our process of getting our home!!

Click to see all 116 reviews of Tom Rybak, Senior Mortgage Banker

5.0 star review received on Experience.com for Tom Rybak by Anthony W - We  were  in  a  particular  situation,  Mr  Ryb...
04/10/2026

5.0 star review received on Experience.com for Tom Rybak by Anthony W - We were in a particular situation, Mr Rybak was opened eared and open hearted with his guidance and great communication. Thanks Again ..

Click to see all 114 reviews of Tom Rybak, Senior Mortgage Banker

5.0 star review received on Experience.com for Tom Rybak by Alejandro S P - Tom is an amazing loan officer and very easy...
04/09/2026

5.0 star review received on Experience.com for Tom Rybak by Alejandro S P - Tom is an amazing loan officer and very easy to work with. He and his team have a streamlined process, great rates and no surprises. Every time working with Tom has been an excellent experience. I highly recommend Tom if you are purchasing or refinancing your home!

Click to see all 112 reviews of Tom Rybak, Senior Mortgage Banker

01/15/2026

You ask the universe for a sign…
and it answers louder than your New Year motivation.

January has this funny way of doing that.
Quiet thoughts turn into real questions.
“What if this is the year?”
“What if I just looked at the numbers?”

Curious what pre-approval actually looks like right now?

Comment READY and I’ll walk you through it.



—Tom, Your HomeTown Lender





It never hurts to find out where you stand when it comes to purchasing a house. It's FREE. Just call me 336-399-1878.
01/09/2026

It never hurts to find out where you stand when it comes to purchasing a house. It's FREE. Just call me 336-399-1878.

Address

144 North Cherry Street
Kernersville, NC
27284

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