Atlantic Bay Mortgage Group: Tony Garshnick

Atlantic Bay Mortgage Group: Tony Garshnick Producing Sales Manager/Certified Mortgage Planner
NMLS 85018 - Licensed in NC & SC NMLS 72043 Equal Opportunity Lender - Atlantic Bay Mortgage Group LLC.

Mortgage Planning is my Passion. I will help you make the best home loan decision for your family. Helping you Grow, Manage and Protect your net worth with Real Estate is my number one goal for my clients.

This Labor Day, I’m thinking about all the early mornings and late nights that turn into a down payment. That's the work...
09/07/2026

This Labor Day, I’m thinking about all the early mornings and late nights that turn into a down payment. That's the work our team gets to be part of. Enjoy the day off, you've (more than) earned it.



NMLS # 85018

Rates may be trending higher, but serious buyers could have more room to negotiate, ask for seller concessions, and avoi...
09/04/2026

Rates may be trending higher, but serious buyers could have more room to negotiate, ask for seller concessions, and avoid some of the bidding-war pressure we saw in lower-rate markets.

Don't think "the perfect rate," think "the right monthly payment." I can help - DM and let's start the conversation!



NMLS # 85018

Reviews like this are why we love what we do ⭐️ If you’ve worked with us, we’d love to hear about your experience too! 💬...
09/04/2026

Reviews like this are why we love what we do ⭐️ If you’ve worked with us, we’d love to hear about your experience too! 💬

https://myoc.io/TeamTonyG

NMLS # 85018

09/02/2026

Thinking you need twenty percent down to buy a home is one of the biggest myths in real estate today. The truth might surprise you and get you into your dream home much faster. Many buyers purchase a home with as little as three percent down, and some loan programs even offer down payment assistance. You also need to budget for closing costs, but seller credits can sometimes help cover those expenses. Every financial situation is unique, so your required upfront savings will depend on your specific goals. Ready to find out exactly how much you need to start your homebuying journey? 🏡 Send me a direct message today to review your options and create a personalized plan.
https://myoc.io/TeamTonyG

NMLS # 85018

08/31/2026

Ever wondered what actually happens to your mortgage payment after you sign the final paperwork?

Many buyers are surprised to learn that your first payment is typically not due the very next month. Your monthly payment usually includes principal, interest, taxes, and insurance, while HOA fees are paid separately. It is also very common for your loan to be transferred to a new servicing company after closing.

You will simply need to watch your mail for your official mortgage statement before setting up online payments. 🏡

Navigating the home buying process does not have to be confusing. Send me a message today to get started on your home loan journey!
https://myoc.io/TeamTonyG

NMLS # 85018

Another ⭐⭐⭐⭐⭐ review! We appreciate every client who shares their experience with us. 💬✨ https://myoc.io/TeamTonyGNML...
08/28/2026

Another ⭐⭐⭐⭐⭐ review! We appreciate every client who shares their experience with us. 💬✨

https://myoc.io/TeamTonyG

NMLS # 85018

If you're waiting for rates to drop but want to buy a home this year, it's time to talk. Rates are just one part of a lo...
08/28/2026

If you're waiting for rates to drop but want to buy a home this year, it's time to talk. Rates are just one part of a loan. We can look at other options for getting you a comfortable monthly payment. You might be surprised! DM or call me to find out.



NMLS # 85018

08/27/2026

Buying a home is a huge milestone, but having the right support makes all the difference. 🏠 Huge congratulations to Kelly and Marshall Shirley on purchasing their new home. They needed someone who was patient, available, and ready to answer every single question. Navigating the path to homeownership can feel overwhelming without clear guidance along the way. Are you ready to start your own home buying journey with confidence? Send me a direct message today to explore your options. 📩
https://myoc.io/TeamTonyG

NMLS # 85018

08/26/2026

Found your dream home before selling your current one? You do not have to lose out on it. 🏡 Many buyers worry about timing the market and moving twice.

We can help you unlock your current home equity to buy your next property seamlessly. It gives you the flexibility to buy first and sell later without the added stress.

Watch this quick video to see how this works. Send me a message today to see if this strategy fits your goals.
https://myoc.io/TeamTonyG

NMLS # 85018

It was Property Tax, in the Escrow Account, with your Insurance Premium. Case closed on why your payment looks the way i...
08/25/2026

It was Property Tax, in the Escrow Account, with your Insurance Premium. Case closed on why your payment looks the way it does.
https://myoc.io/TeamTonyG/c1qm5



NMLS # 85018

Address

3512 Providence Road South, Suite C
Waxhaw, NC
28173

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+17047786205

Website

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