River City Lending NMLS #338798 - Atlantic Bay Mortgage Group

River City Lending NMLS #338798 - Atlantic Bay Mortgage Group loan officers • working moms 👩‍💼
RVA 🌇
Emily Sedlar NMLS: 919390 ReMi Doyle NMLS: 338798

And by “opinions,” we mean strong feelings about making things easier, explaining things so they make sense, finding the...
09/15/2026

And by “opinions,” we mean strong feelings about making things easier, explaining things so they make sense, finding the right strategy instead of the obvious one, and making sure you know exactly what you’re getting into.

We take that stuff pretty seriously. The rest? Not so much. 🤪

09/11/2026

The highest form of love you can give to your loan officer is calling BEFORE you do the thing.

We don’t want to ruin your fun. We just want to know before underwriting finds out and the whole thing blows up.

09/08/2026

This is why I ask so many questions before I answer yours. 🫠

09/04/2026

They could never make me hate you, mortgage industry. (But they have tried!) 🤪

09/02/2026

Plot twist - I actually really do love my job. Maybe not every email. Definitely not every fire. And we won’t talk about the professionally gaslit part.

But I do love the people, the problem solving, the weird scenarios, the wins, and the fact that no two days are ever the same.

So yes, “Please let me know if there is anything else I can do to help.” 🤪

08/31/2026

21 years in mortgages and I can confirm… we’ve seen some things. 😂

Some flops are avoidable. Some become learning opportunities. And some start with me saying, “This should be a pretty straightforward file.” 😬

Mortgage people… what did I miss? 👇🏼

08/28/2026

Sometimes it’s nice to know the numbers before you accidentally fall in love with a house on a random Saturday morning.

That’s it. That’s the post. 🏡

A mortgage strategy is more than “wait for rates to drop” or “put as much money down as possible.” The right strategy lo...
08/25/2026

A mortgage strategy is more than “wait for rates to drop” or “put as much money down as possible.”

The right strategy looks at the whole picture — your monthly payment, cash on hand, long-term plans, loan options, market conditions, and what actually makes sense for your life.

There’s rarely one “right” way to finance a home. There’s just the way that works best for you.

Let’s save the guessing for what we’re having for dinner. Your mortgage deserves an actual plan. 😉

HomeBuying

Apparently experience, strategy, a mild obsession with mortgage guidelines, and still answering your texts three years l...
08/24/2026

Apparently experience, strategy, a mild obsession with mortgage guidelines, and still answering your texts three years later are… kinda chic. 💅🏼
 
But really, this is what we think lending should look like.
 
Knowing enough to recognize when the obvious loan isn’t actually the best loan. Understanding the guidelines well enough to find another path. Explaining it all in a way that actually makes sense. And building relationships that last a whole lot longer than the closing table.
 
21 years later, I still genuinely love this stuff.
 
Mortgage nerd? Absolutely.
Kinda chic? Apparently. 🤌🏼
 

Address

1807 Libbie Avenue, Suite 201
Richmond, VA
23226

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm
Saturday 8am - 5pm
Sunday 8am - 5pm

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