Tom Rybak Branch Manager

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

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

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

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

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.

12/31/2025

11/15/2025

5.0 star review received on Experience.com for Tom Rybak by Vicente L V - Thank you for taking the time to thoroughly explain everything throughout the entire process to me and for working to get me the best rate for my loan. I was nervous since this was my first time getting a loan and you made the process simple, easy, and convenient. I am extremely happy with your work and I'm grateful that my realtor recommended you.

Click to see all 104 reviews of Tom Rybak, Senior Mortgage Banker

11/07/2025

Remember when closing day meant taking off work, sitting at a big conference table, and signing what felt like a thousand pages?

Those days are fading fast.

Today, you can buy or refinance a home from anywhere — laptop open, coffee nearby, maybe even in pajamas (I won’t judge).

Whether you’re out of state, traveling for work, or just prefer digital convenience, remote closings make the process simpler, faster, and less stressful.

Some areas allow fully online notarization, while other use hybrid or e-notarized methods. Either way, the goal’s the same: make homeownership easier.

Because if you can order dinner, buy a car, or do your taxes online… why not close on your home that way too?

💬 Curious if remote closings are available in your area? Comment “REMOTE” below and I’ll share what options you have!

— Tom your HomeTown Lender

10/21/2025

5.0 star review received on Experience.com for Tom Rybak by Steven S - Excellent communication!

Click to see all 103 reviews of Tom Rybak, Atlantic Bay Mortgage Group - Winston-Salem