Allison Beldick

Great news for conventional buyers! 🙌🏻

We’ve raised our one-unit conforming loan limit to $845,000 (up from $832,750)!

We're getting ahead of the FHFA's official 2027 announcement so more buyers can enjoy the benefits of Freddie Mac/Fannie Mae conventional financing—without needing a jumbo loan.

Looking for a higher-priced home? Let's see what’s possible!

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Another 5-star client experience!

There’s nothing better than helping make the homebuying process a little easier—especially when it involves making a move and purchasing a home out of state! 🏡💙

We’re so thankful for Richard’s kind words and for trusting myself and our Atlantic Bay team to help along the way. Reviews like this truly mean so much to us!

Ready to make your next move? We’d love to help you get HOME! 🔑✨

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

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Another 5-star review! 💙

Nothing makes us happier than hearing our clients felt heard, supported, and taken care of throughout the process!

Thank you, Toshana, for trusting Allison and The Team at Atlantic Bay with your homebuying journey. 🔑 We’re so grateful for our amazing clients and their kind words!

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

A temporary buydown helps lower your monthly mortgage payment during the beginning of your loan by temporarily reducing your interest rate. When the buydown period ends, your loan returns to its original fixed interest rate.

If you're wondering whether a temporary buydown could fit your homebuying plans, let's connect. I'll walk you through the options and help you understand what makes sense for your situation.

Remembering and honoring the lives lost on September 11, 2001, and the courage of those who responded with strength and service. We will never forget. ♥️💙🤍

Closing day isn't the end of our story...it's just the beginning!

Long after you get the keys, we're still keeping an eye on your mortgage and the market for opportunities that could help you save money, build equity, or make your next move with confidence.

That's what having a lender for life looks like. That's Atlantic Bay.

Football season is back! Time to break out the jerseys, fire up the grill, and settle in for the touchdowns, rivalries, and unforgettable moments we’ve been waiting for.

Who are you rooting for this season? 👇🏈

🏈 Football season is almost here, and every winning season starts with a good game plan! 🏡💙

The same goes for your mortgage. Whether you’re thinking about buying, building, refinancing, or using the equity in your current home, having the right team beside you can make all the difference.

We are here to help you understand your options, run the numbers, and create a mortgage game plan that works for you — all the way from kickoff to closing! 🏈🔑

Ready to make your next move? Give our team a call and let’s get you in the game! 🏆



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

Nothing makes our day quite like hearing from our happy homeowners!

At Atlantic Bay Mortgage Group, we truly believe the experience matters. From the first conversation to the closing table, our goal is to make the mortgage process feel smooth, personal, and stress-free. 🏡💙

We’re so thankful for every client who trusts our team to be a part of such a BIG milestone — and even more thankful when they take the time to share their experience!

✨ Check out this awesome review and see what our clients are saying about working with our team:

https://www.experience.com/reviews/allison-beldick-205093/bd8c429f-f825-4dcc-bb06-8590aebc040b

Ready to make your next move? We’d love the opportunity to help you too! 🏡🔑

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

Okay, so we’ve talked about taxes & insurance… but what actually makes up your TOTAL monthly mortgage payment?

Your mortgage payment may include more than just paying back what you borrowed! Let’s break down the 4 main pieces — PITI:

Principal — The amount going toward paying down your loan balance�Interest — The cost of borrowing the money�Taxes — Your property taxes�Insurance — Your homeowners insurance
And depending on your loan, you may also have mortgage insurance or HOA dues to consider.

This is exactly why I tell buyers not to shop based on purchase price alone!

Two homes with the SAME sales price can have very different monthly payments depending on the taxes, insurance, HOA and other factors.
See a house you love? 🏡💕 Send me the address and let’s run the numbers BEFORE you decide if it fits your budget!



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