Tony Garshnick - Certified Mortgage Planner

06/10/2026

The first-time buyer label is actually a lot more flexible than most people realize. It’s less about being a literal beginner and more about your current situation. Life changes or previous housing types can sometimes reset your status, giving access to programs designed to get you into a new place with much less stress.

If you think you might fall into one of these categories, let's look at the numbers together. Send a quick message to see where you stand.

NMLS # 85018
https://myoc.io/TeamTonyG

06/08/2026

Closing day gets all the attention, but the weeks after are just as important. Here's a checklist to help you settle in with confidence.
https://myoc.io/TeamTonyG/5VZLg

NMLS # 85018

06/05/2026

Check out this week's mortgage rates! Got questions? Just DM me!



NMLS # 85018

06/05/2026

"Reviews like this truly make our day 🥹⭐️ Thank you for the kind words and support — we appreciate it more than you know! "

https://myoc.io/TeamTonyG

NMLS # 85018

06/04/2026

Every mortgage company and its… mother(?)… have commiserated that homebuying is overwhelming. But that's kind of our whole thing. Atlantic Bay connects you with real people, real loan options, and a plan that actually fits your life.

Oh, and if Spanish is your first language? We've got resources for that too. No one gets left out over here. Nope. No this or any month.



NMLS # 85018

06/03/2026

June is National Homeownership Month, and an important year midpoint for our business. 📊
Hit the link below for my article on becoming the go-to guide for the current market. 🏡
➡️atlanticbay.com/knowledge-center/real-estate-roundup-mid-year-market-update/?utm_source=socialcoach&utm_medium=organic

Want my monthly Round-Up email? just DM me! 📲



NMLS # 85018

06/01/2026

5.0 star review received on Experience.com for Tony Garshnick by Ivy M H - Honestly, the biggest feedback I can give is just how much I appreciated your transparency from day one. When we first talked and you were blunt about the difference between what the bank says I can approve for versus what I can actually afford, that was exactly what I needed to hear.

Your teaching style is what made this whole process work for me. Sending those custom videos to break down the numbers and the confusing topics completely took away the anxiety of what I was signing. Also, the video updates after putting in an offer were amazing for keeping me in the loop.

I also really valued that you never pushed a loan or a program on me, and instead gave me the budget tools and let me stay in the driver's seat. Your strategy was incredible—I still can't believe I barely had to pay anything out of pocket and actually got money back at closing. On top of that, connecting me with Matthew and Ben was huge because your whole network operates with that same honesty.

You didn't just treat me like a transaction; you treated me like family and gave me the confidence to handle this as a first-time buyer. There’s really nothing to change or improve—just keep doing exactly what you're doing, because the educational, video-first approach you take is a game changer. Thank you so much for everything!

Click to see all 414 reviews of Atlantic Bay Mortgage Group: Tony Garshnick, Producing Sales Manager/Certified Mortgage Planner

05/29/2026

Spring is winding down, and summer buying season is heating up! 🌊
Rates are holding steady, and I'm here to help you beat the rush - just DM me! 👋



NMLS # 85018

05/29/2026

🌱 Planting Roots Looks Different When You Own a Home 🏡
There’s something special about planting flowers, starting a garden, or landscaping your own yard — because it’s truly yours.
Whether it’s:
🌼 Spring flowers
🍅 A small vegetable garden
🌳 A new tree
🌿 Fresh landscaping
Homeownership gives you the freedom to create outdoor spaces that grow with you year after year.
This May is the perfect time to start planting… and maybe even start planning for a place to call your own.
📩 Thinking about homeownership? Let’s talk about your options and timeline.

05/28/2026

Gift funds may be used for your down payment. Family could help you buy sooner.
Ask me about down payment options.