Atlantic Trust Mortgage is a customer-focused lending company serving Northeast Florida. When it comes to ironing out a client-friendly mortgage, we've got you covered. Our team of mortgage experts understands the ins and outs of lending practices and regulations and is prepared to help you come to the best terms possible.
We offer a broad spectrum of loan programs to our customers, including conventional financing, FHA financing, VA financing, renovation financing, and jumbo financing. We can help determine which one you qualify for, as well as what loan type will be best for you and your family. At Atlantic Trust Mortgage, we operate under a simple premise: Every customer is unique.
We offer a broad spectrum of loan programs to our customers, including conventional financing, FHA financing, VA financing, renovation financing, and jumbo financing. We can help determine which one you qualify for, as well as what loan type will be best for you and your family. At Atlantic Trust Mortgage, we operate under a simple premise: Every customer is unique.
Services
At Atlantic Trust Mortgage, we strive to find the best solution possible for our clients. Buying a home can be a stressful event, but it is also fun, exciting, and rewarding. Our goal is to make the process as easy as possible for you to focus on finding your dream home. Homeownership is one of the surest, most impactful ways to build lasting generational wealth.
Conventional financing is perfect for homeowners with excellent credit who can put down three percent. This type of mortgage is purchased by Fannie Mae or Freddie Mac and is not guaranteed by the federal government. They come in two forms: Fixed and adjustable-rate. FHA financing is an excellent option for first-time buyers with low-to-moderate income levels and credit scores as low as 580.
Conventional financing refers to a mortgage that is purchased by Fannie Mae or Freddie Mac and is not guaranteed by the federal government, unlike other programs such as FHA and VA Financing. Conventional loans are completely made in the private sector without any government involvement. You can use conventional financing to purchase or refinance single family to four family homes.
FHA mortgages are insured by the Federal Housing Administration (FHA). They are issued by federally qualified lenders and are designed to help borrowers with high debt-to-income ratios (DTI) purchase or refinance their homes. If you default on this loan, the FHA will cover your lender's losses, therefore mortgage insurance is required.
VA Financing is a government-guaranteed loan program offered by the U.S. Department of Veterans Affairs (VA) to military service members and their families. The VA doesn't lend the money, rather they guarantee the loan made by your lending company. The biggest benefit of VA financing is there is absolutely no downpayment requirement.
Reviews (9)
Brenda Bullion
Sep 27, 2021
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Morgan Way
Apr 27, 2021
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We worked with Dewayne Cumbo for both our initial home purchase and our VA loan refinance. Both times Dewayne ensured all our questions were answered, often taking our calls later in the evening to accomodate our work schedules. We were able to easily meet all deadlines with the loan process and were able to close on an outstanding rate for a 30 year fixed VA loan. If you want an honest, thorough, and professional loan originator; you definitely want to work with Dewayne!
Trish Mewborn
Apr 22, 2021
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Positive: Professionalism, Responsiveness
Krisinda Whitley was referred to me after I had been researching mortgage refinancing .She is excellent ! Professional , informative , and kept contact with me thru entire process .I would recommend Krisinda with Atlantic Trust Mortgage.Smooth process , exc rate !
Krisinda Whitley was referred to me after I had been researching mortgage refinancing .She is excellent ! Professional , informative , and kept contact with me thru entire process .I would recommend Krisinda with Atlantic Trust Mortgage.Smooth process , exc rate !
Michael Jordan
Dec 18, 2020
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ATM has the best customer service and the best rates! The dedication and commitment to their clients is unmatched! They go above and beyond to answer any questions you may have as a Realtor, home buyer, or someone refinancing! They should be the first company you call when looking for financing options! I have used them personally for multiple home purchases as well as referred them to family and friends for refinancing their homes or when purchasing new ones. I won't do business anywhere else after the incredible experiences I have had with Atlantic Trust Mortgage!
David Heekin
Sep 08, 2020
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As the owner of a title company that is forced to deal with sub-par lenders on a daily basis, I can't begin to tell you how nice it is when we see Atlantic Trust Mortgage's name on the title request! Everyone who works there is a pro. Their service is second to none and their rates are some of the best in the business. You can't go wrong with this company. Keep up the good work ATM!!!
Marc J.
Aug 15, 2020
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Langdon Snell
Jul 15, 2020
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Christina Russell
Jul 12, 2020
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Wade is a pleasure to work with and will go above and beyond to answer any questions you have and address any concerns you may have. He is extremely knowledgeable, efficient, professional, and very responsive. Wade makes the loan process for his clients as smooth and seamless as possible. Overall ATM has fantastic customer service and the most competitive rates around! I highly recommend ATM for your mortgage loan needs. It is truly one of the best mortgage companies to work with!
Craig Soleim
May 10, 2020
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Without reservation I would HIGHLY recommend the Atlantic Trust Mortgage (ATM) Team and specifically Wade Swindell. My #1 criteria in working with a business is customer service, and Wade along with the entire ATM team were fantastic partners in my refinance process that was smooth from start to finish. Can not thank them enough for their professionalism, open communications and willingness to make sure I had the right information at each step, enabling a successful and timely refinance.
