Atlantic Home Loans is an independent Mortgage Banker. Our only business is taking mortgage applications, processing these applications efficiently and closing these loans quickly.

We have no other business.

Not a Division of a National Bank
Atlantic is not a division of a national bank. All of our decision making is directly and solely related to the origination and closing of home loans.

Not Understaffed like a Community Bank
Atlantic is not a department in a Community Bank. Respectfully, a Community Bank’s focus is not dedicated to efficient mortgage processing and loan closing. Checking accounts, savings accounts and commercial loans compete for resources at Community Banks.

Not a Broker
Atlantic is not a loan broker. We are a direct lender. We underwrite and close our loans… with our money. Unlike a loan broker, our loan officers can sit across the desk from the underwriter to discuss your loan. That underwriter has the authority to approve your loan.

Loan brokers don’t have this ability.

Mortgage Loan Products
Finally, our financial strength provides us with the ability to acquire a diverse set of mortgage loan products. Loan brokers do not have access to many of our loan products; Community and National Banks typically do not have in their business model the the determination and focus to explore other non-bank loan products.