Ryan McCollum - Atlantic Bay Mortgage Group

Ryan McCollum - Atlantic Bay Mortgage Group Mortgage Banker | Licensed in Va
Helping buyers secure stress-free home financing through education, transparency, and a smooth lending experience.

NMLS #2689376
Atlantic Bay Mortgage Group | NMLS #72043
Equal Opportunity Lender
www.nmlsconsumeraccess.org

February may be a short month...💗But it’s a great time for homebuying, with less competition and more negotiating power....
02/09/2026

February may be a short month...đź’—

But it’s a great time for homebuying, with less competition and more negotiating power. 💪

Want to get started? Shoot me a message! 📲

One application, one closing, and one set of closing costs—saving you time, money, and stress. Lock in your rate early, ...
01/16/2026

One application, one closing, and one set of closing costs—saving you time, money, and stress.

Lock in your rate early, streamline the build process, and roll construction financing seamlessly into a permanent mortgage when your home is complete.

Fewer surprises. More peace of mind.

2026 is here, and it’s time to take control of your money. 🏡💸 Start by checking your credit, building that emergency fun...
01/06/2026

2026 is here, and it’s time to take control of your money. 🏡💸

Start by checking your credit, building that emergency fund, automating savings, tracking spending, and chipping away at high-interest debt.
These are smaller steps than they might sound, and I promise you they’ll lead to some bigger wins tomorrow 🚀

Which tip will you start with first?

Did you know that December 21st is the first day of winter? And the last day? March 20th!That's a full three months to m...
12/30/2025

Did you know that December 21st is the first day of winter? And the last day? March 20th!
That's a full three months to make moves on your homeownership goals. ❄️🏡

Winter is actually one of the smartest times to buy or refinance. Here's why: there's less competition from other buyers, sellers are often more motivated to negotiate, and you'll have your pick of inventory that's been sitting through the holidays.
For current homeowners, winter is prime time to refinance or tap into your equity for home improvements (hello, new HVAC before next summer 🔥).

Three months is plenty of time to get pre-approved, find the right property, and close before the spring rush… with the help of Atlantic Bay. Let's map out what's possible for you this season. 💪

Closing day is always a good day 🏡🔑It was a pleasure working alongside a dedicated agent and an awesome client to get th...
12/19/2025

Closing day is always a good day 🏡🔑

It was a pleasure working alongside a dedicated agent and an awesome client to get this one across the finish line.

Even better, the buyer was able to close on their new home with less than $150 out of pocket at the closing table — proof that homeownership can be more achievable than many people think.

Huge shoutout to First Choice Title & Settlement for helping keep everything smooth and on track. When everyone involved communicates well and shows up for the client, the process feels easy, and that’s always the goal.

Congrats to the buyer on their new home, and thank you to everyone who played a part in making this a successful closing!

Ryan McCollum – Mortgage Banker
📱 540-352-6082
📧 [email protected]
NMLS #2689376
Atlantic Bay Mortgage Group | NMLS #72043
Equal Opportunity Lender






There really are no “dumb” questions in the home-buying process — only the ones you don’t ask.Here’s why I want you to a...
12/12/2025

There really are no “dumb” questions in the home-buying process — only the ones you don’t ask.

Here’s why I want you to ask absolutely everything:

You deserve to understand what’s happening. This is a big process that most people don't go through more than once every few years! I do it every day.
When you know the “why” behind each step, you are in the drivers seat and the process feels less intimidating.

Small questions prevent big problems.
A quick text or call can save you stress, surprises, or last-minute scrambling later. Even if you think we already talked about it, there's NO issue coming back for more clarification.

The process moves smoother when we’re on the same page.
Clarity equals confidence. And when you're inundated with decisions to make, confidence makes those choices easier.

I’m literally here for this.
My job is to explain things, break them down, and make the financing part feel human.

Asking questions helps me serve you better.
I can tailor options to your goals when I know what you’re worried about, unsure about, or curious about.

Bottom line:
If it pops into your head… ask. I want you to feel confident, informed, and taken care of from start to finish.

NMLS #2689376
Licensed in VA
Atlantic Bay Mortgage Group L.L.C.
NMLS #72043
Equal Opportunity Lender
www.nmlsconsumeraccess.org

Big news for our local heroes — and I wanted to make sure I shared it the right way.You may have seen people posting abo...
12/11/2025

Big news for our local heroes — and I wanted to make sure I shared it the right way.

You may have seen people posting about this already, but I held off on purpose. Before I ever put something in front of my clients, I want to be 100% sure I understand the guidelines, the qualifications, and how it can genuinely help the people I serve.

Now that everything is confirmed… here it is:

NEW: Community Heroes Grant — $10,000 toward your home purchase

If you’re an educator, childcare worker, law enforcement officer, firefighter, first-responder, military personnel, or healthcare worker, you may now qualify for $10,000 to put toward your home purchase through Atlantic Bay’s Community Heroes Grant.

This is a huge win for the people who give so much to our communities — and I’m excited to walk you through what it looks like, how to qualify, and whether it fits your situation.

If you work in one of these fields and you’ve been thinking about buying, let’s talk. I’m here to keep things transparent, easy to understand, and tailored to your budget and goals.

Ryan McCollum – Mortgage Banker
📱 540-352-6082
📧 [email protected]
NMLS 2689376
Atlantic Bay Mortgage Group | NMLS 72043
Equal Opportunity Lender

12/10/2025

If you haven't experienced a small town Christmas, you have no idea what you're missing out on!

The home-buying journey starts with getting approved, and I have all kind of options that are just a click away. Message me today and let's get started!

Ryan McCollum
Mortgage Banker | NMLS #2689376
Atlantic Bay Mortgage Group | NMLS #72043
📱 540-352-6082
Equal Opportunity Lender







I genuinely love helping inform buyers of their options, and being transparent throughout the home-buying process.These ...
12/04/2025

I genuinely love helping inform buyers of their options, and being transparent throughout the home-buying process.

These are 2 things that I feel like constantly get used in place of one another, but are more often than not, very different.

If you find yourself in the position of wanting to shop for a home, and don't quite understand every step works or how the process should look, I'd love to have that conversation with you.







Why Having a Local Lending Expert Matters 🏡When you’re buying a home, you deserve someone who actually knows the market,...
12/01/2025

Why Having a Local Lending Expert Matters 🏡

When you’re buying a home, you deserve someone who actually knows the market, the neighborhoods, the back roads, and the unique challenges our local buyers face.

Working with a local lender means:

• Faster communication – You’re not calling a random call center. You’re calling me.
• Local insight – I know our area, our market trends, and what it takes to get deals closed here.
• Strong relationships – I work directly with local agents, appraisers, and attorneys to keep everything moving smoothly.
• Real guidance – Whether you're a first-time buyer, using USDA, or hoping for low-to-no-money-down options, I'll break it all down in plain English.

At the end of the day, having someone right here in your community makes the process smoother, simpler, and a whole lot less stressful.

If you’re thinking about buying—or just have questions—I’m always here to help.

-Enjoy this picture I took of the local 122 river crossing-

Ryan McCollum – Mortgage Banker
📱 540-352-6082
📧 [email protected]
NMLS 2689376
Atlantic Bay Mortgage Group | NMLS 72043
Equal Opportunity Lender







Thinking homeownership is out of reach? It might be closer than you think.With Down Payment Assistance (DPA), you could ...
11/24/2025

Thinking homeownership is out of reach? It might be closer than you think.

With Down Payment Assistance (DPA), you could buy a home with little to no money out of pocket for down payment or closing costs. Yes, even 100% financing may be an option.

• Our Buyer Boost and Chenoa programs offer 10-year repayable second mortgages that can help cover down payment and/or closing costs on FHA and USDA manufactured home loans.
• When paired with an eligible Virginia Housing loan, the Virginia Housing Down Payment Grant is a true grant – meaning no repayment required.
• These programs also support affordable housing by helping keep your total housing costs at or below 30% of your income.

If you’d like to explore what you may qualify for, reach out and let’s talk through your options.

Ryan McCollum
Mortgage Banker
đź“ž 540-352-6082
📧 [email protected]
NMLS #2689376








Address

3060 Electric Road
Roanoke, VA
24018

Website

Alerts

Be the first to know and let us send you an email when Ryan McCollum - Atlantic Bay Mortgage Group posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category