John Pyne, Mortgage Lender NMLS ID # 396073

02/28/2026

Northern Virginia Mortgage Insights 2/28/26

If you have been watching mortgage rates closely, this was a significant week.

02/04/2026

Hey Real Estate Agents, Wondering what 2026 has in store for housing?

Barry Habib is breaking down what’s next for rates, home prices, and opportunity — and how to cut through the noise to win more business in this FREE webinar sponsored by Atlantic Bay.

Register today and save your seat for this must-attend forecast.

📅 Feb 26 | 11 AM ET

https://atlanticbay.zoom.us/webinar/register/WN_IR1CKGXSTm2qz0R21pOiOw

01/02/2026

We’re built for this! 💙

I’m proud to be part of the Atlantic Bay team, named a 2026 Scotsman Guide Top Workplace winner! 🎉

This award recognizes companies that “create strong cultures and empower their people to thrive.”

Thank you to my amazing teammates, our communities, and the borrowers who trust us every day 🏡🙌

12/11/2025

Virginia’s everyday heroes now have a new reason to smile!

Through a NEW Community Heroes GRANT, eligible Virginia educators, first responders, childcare providers, and other eligible community hero professions can receive $10,000 to use toward a down payment and for closing costs.
And BONUS, the grant may be combined with other eligible programs!

Want to see if you qualify? Let’s talk!

📱 703-855-5158
📧 [email protected]
🌐 www.ThePyneTeam.com
📍 Based in Vienna, Virginia | Licensed in VA, DC, MD, WV, PA, DE, NC, SC, GA, FL

11/11/2025

Today and every day, we’re grateful for the heroes who have served our country.

10/31/2025

👻 Nothing’s scarier than a loan falling apart right before closing. Big box lenders skip the due diligence — we don’t.

At Atlantic Bay, our pre-approval is fully underwritten up front, so you can move forward with confidence.

08/09/2025

Refinance with us — even if your loan is with someone else — and receive either:

✔ No origination fee
✔ 1% off your rate for the first year

Reach out now!

06/18/2025

Hanging high with the heavyweights! 🏆🥊

Congratulations to our entire team and every lender who made this year's list!

06/05/2025

Drumroll, please… 🥁🥁🥁

Atlantic Bay is the #3 Top Purchase Lender…for the entire state of Virginia!

It’s another testament to our incredible team, the trust of our homebuyers, and the partnerships that help make home happen every day. Thank you for believing in what we do!

And 2025? Let’s just say we’re ready to raise the bar!

05/28/2025

If your parents never owned a home, a first-generation homebuyer loan was made for you. 🥇

First-generation homebuyers in Virginia can now qualify for mortgage rates 2% lower than standard.
That means lower payments – and a much clearer path forward. 👣 🏠

Let’s see if you’re eligible today. DM me to get started! ➡️

📱703-855-5158
📧 [email protected]
🌐 www.ThePyneTeam.com
📍6820 Elm St, McLean VA 22101

03/29/2025

1. Pay Bills On Time—Every Time
Your payment history is the single biggest factor in your credit score. Even one missed payment can hurt your score significantly.
Tip: Set up autopay or calendar reminders to make sure you never miss a due date. If you’re ever running behind, contact the lender before the due date to explore your options. One late payment won’t define your credit journey—but staying consistent builds long-term strength.

2. Check Your Credit Report for Errors
Your credit score is based on the data in your report, so accuracy is key. Mistakes—like accounts you don’t recognize, incorrect late payments, or wrong balances—can drag your score down unfairly.

3. Maintain Multiple Credit Lines With Balances Below 30%
Credit utilization—the amount you owe compared to your total credit limits—is another major scoring factor. Ideally, you want to use less than 30% of your available credit on any card.
Tip: Spread balances across multiple accounts rather than maxing out one card. Better yet, pay balances down early (before the statement date) to show low usage when the bureaus update your report. Responsible use of multiple cards shows lenders you can manage credit wisely.

Ready to boost your credit and buy with confidence?Small changes = big impact.

If you’re thinking about buying a home this year, let’s talk strategy now—so your credit is ready when you are.

📲703-855-5158
📧 [email protected]
🌐 www.ThePyneTeam.com
📍6820 Elm St, McLean VA 22101