Ryan Bruff Mortgage Banker NMLS ID# 907479

Ryan Bruff Mortgage Banker NMLS ID# 907479 Ryan Bruff
Sr. Mortgage Banker
NMLS #907479
www.nmlsconsumeraccess.org
Licensed in NC, SC, FL, VA
Atlantic Bay Mortgage Group L.L.C. I leave nothing to chance.

NMLS #72043
Equal Opportunity Lender
www.nmlsconsumeraccess.org A tenacious problem solver, Ryan Bruff doesn’t stop until he finds a clear path to the closing table for his clients. Ryan, who started his mortgage career in 2012, listens closely to his clients’ needs and then guides them through the available programs. “A lot of homebuyers come in with incorrect assumptions or hearsay that may be m

isleading. I make sure they know what to expect right up to closing. I want them to leave with 100% confidence and completely comfortable with everything we’re doing,” says Ryan. While Ryan helps all types of homebuyers, he specializes in helping members of the military and first time homebuyers. He’s dedicated to simplifying the home buying process and making it easier for his clients. “At the end of the day, I just want to help people and find solutions. I want to celebrate their new home with them,” says Ryan. Licensed in NC

• Atlantic Bay Mortgage Group NMLS #72043
• (www.nmlsconsumeraccess.org)
Equal Opportunity Lender

5.0 star review received on Experience.com for Ryan Bruff by Zachary S - Ryan is professional and made a complicated sit...
06/05/2026

5.0 star review received on Experience.com for Ryan Bruff by Zachary S - Ryan is professional and made a complicated situation easy for us. He's trustworthy and puts your interestes first. I highly recommend Ryan Bruff!

Click to see all 500 reviews of Ryan Bruff, Senior Mortgage Banker

5.0 star review received on Experience.com for Ryan Bruff by Robert P - It  was  easy thank  you
05/27/2026

5.0 star review received on Experience.com for Ryan Bruff by Robert P - It was easy thank you

Click to see all 498 reviews of Ryan Bruff, Senior Mortgage Banker

5.0 star review received on Experience.com for Ryan Bruff by Mari M - All of the people I dealt with at Atlantic Bay wer...
05/18/2026

5.0 star review received on Experience.com for Ryan Bruff by Mari M - All of the people I dealt with at Atlantic Bay were prompt and on top of their game. My closing was scheduled in record time and they made my experience, as stressful as it was, very pleasant.

Click to see all 495 reviews of Ryan Bruff, Senior Mortgage Banker

5.0 star review received on Experience.com for Ryan Bruff by James R - I thought you were the best and enjoyed working w...
05/12/2026

5.0 star review received on Experience.com for Ryan Bruff by James R - I thought you were the best and enjoyed working with you. I would highly recommend you to anyone looking to obtain a mortgage.

Click to see all 494 reviews of Ryan Bruff, Senior Mortgage Banker

5.0 star review received on Experience.com for Ryan Bruff by Edward F - Very quick turnaround.
05/04/2026

5.0 star review received on Experience.com for Ryan Bruff by Edward F - Very quick turnaround.

Click to see all 493 reviews of Ryan Bruff, Senior Mortgage Banker

4.5 star review received on Experience.com for Ryan Bruff by Carroll C - Nice relationship
04/25/2026

4.5 star review received on Experience.com for Ryan Bruff by Carroll C - Nice relationship

Click to see all 492 reviews of Ryan Bruff, Senior Mortgage Banker

5.0 star review received on Experience.com for Ryan Bruff by Cynthia M - You  all  were  amazing  to  work with  and  ke...
04/22/2026

5.0 star review received on Experience.com for Ryan Bruff by Cynthia M - You all were amazing to work with and kept us on track throughout the process. it was smooth sailing! Thank you!

Click to see all 490 reviews of Ryan Bruff, Senior Mortgage Banker

04/22/2026

🚨 Realtor partners- Condo Changes directly from Fannie Mae & Freddie Mac (conventional financing) that you need to know about!
These changes apply to new and existing applications and will roll out in phases through 2026 and 2027.
👍 The Positives (More Opportunities & Flexibility)
1. Easier Approvals for Small Condo Projects
• Project review waivers are now allowed for condos with up to 10 units (previously capped at 2–4 units).
👉 This is a big win for smaller associations and boutique condo buildings.
2. Investor Concentration Restrictions Loosened
• No more investor concentration limits for full review on established projects.
👉 Opens up more inventory that may have previously been ineligible.
3. For those who hold a FL license -Updated Florida Condo
Guidelines
• New and newly converted condo projects now follow updated guidelines instead of requiring PERS approval.
👉 Streamlines approvals in Florida markets.
⚠️ The Challenges (Tighter Oversight & Stricter Requirements)
1. Limited Review Is Going Away (Starting Aug 3, 2026)
• All condo projects with more than 10 units will require full review, regardless of LTV or occupancy.
👉 This could slow down deals and require more documentation upfront.
2. Reserve Requirements Getting Stricter
• If a project allocates less than 10% toward reserves, a reserve study will now be required—with no exceptions.
👉 Expect more scrutiny on condo budgets and financials.
3. Higher Reserve Allocation Coming (Jan 4, 2027)
• Required reserve contributions will increase from 10% → 15%.
👉 Some associations may not meet this right away, limiting financing options.
💡 What This Means for You and Your Clients
• More flexibility with smaller condo projects = new opportunities
• More documentation and due diligence on larger condo projects
• HOA financial health will matter more than ever
• Deals may require earlier review and pre-approval of condo projects
Happy to be a resource for you and your clients!

5.0 star review received on Experience.com for Ryan Bruff by Robert M - Ryan and  team  are  the  best!  Their  constant...
04/22/2026

5.0 star review received on Experience.com for Ryan Bruff by Robert M - Ryan and team are the best! Their constant communication keep us at ease! Quick to answer question and always looking for our best interest.

Click to see all 489 reviews of Ryan Bruff, Senior Mortgage Banker

4.5 star review received on Experience.com for Ryan Bruff by Charles F - Communication and  response  was  great
04/02/2026

4.5 star review received on Experience.com for Ryan Bruff by Charles F - Communication and response was great

Click to see all 487 reviews of Ryan Bruff, Senior Mortgage Banker

Address

1015 Ashes Drive Ste 107
Wilmington, NC
28405

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