Marketing Look Book

Experiences, Clear Path to Tailor-Made
Not Transactions Closing Lending

Allison is a strong advocate for homebuyers,
making the process easy, keeping them informed,
and always being accessible to respond to their questions.

“I work closely with each borrower to gain a firm understanding
of their current and future needs. My goal is to make this process

feel less intimidating and even manageable,” Allison says.
“I want the homebuyer to have a great experience and feel they

have my support throughout the entire lending process.”

Allison Beldick, CMA

Senior Mortgage Banker
NMLS #902007, Licensed in FL, GA #34563, KY, NC
404-788-0705
[email protected]
www.ateamhomeloans.com

awpsheauatrsstt fannie, freddie, and ginnie approved

Contact me As an approved seller/servicer of Fannie Mae, Freddie Mac, and Ginnie Mae
today to learn loans, Atlantic Bay can offer more flexible loan terms.
how Atlantic Bay
credit rescoring allowed
can help you
and your clients We look for opportunities to see if rescoring will give clients more options,
succeed in today’s or possibly a better rate. A few points on a credit score could mean savings for
housing market. a homebuyer.

no amcs for non-va loans

Each mortgage banker may use their own list of certified appraisers without
involving an Appraisal Management Company (AMC). Local appraisers provide
quicker turn times and better understand market conditions in their area.

wide variety of loan options

In addition to Conventional, FHA, USDA, and VA loan products, we also offer
financing options personalized to the client’s needs:
• Government programs to help with down payment assistance

• Renovation loans for repairs or remodeling
• Jumbo loans
• Loans for foreign nationals

• AltQM programs for non-qualified mortgages
• Financing for manufactured homes

marketing solutions

Our Marketing Department has several specialized teams working on
progressive strategies, responsive services, and creative solutions to assist you
in achieving your goals. We have the knowledge, resources, and experience to
help you sell more homes and the marketing to help you grow your business.

Allison Beldick, CMA

Senior Mortgage Banker

NMLS #902007, Licensed in FL, GA #34563, KY, NC

Direct: 404-788-0705 Revised Aug 09, 2022
Office: 470-481-8700 x 5325
Fax: 844-369-5296
[email protected]
www.ateamhomeloans.com

IDaGnrnfaoodutram/p,oaiLsrt.iLofd.niCne.darNeinvMeemcLdiSead#lfrr7poe2rlmi0oa4bfe3liens(ntbsemuiortlnnsncaaooltlnsgmsuuoaemnrtaelryrniactcseaceneadsd.ssA.oonllrfoglo)t1ai/snin2ast0nseu2Enbq1dj.ueecaIntdl ftOoofporipnmrocodratmuitsnietoirtvnyiebLrduiefietncieadotmeniro.entL,odoccrtareehtdeleiidtaagabptelpe6nr0oebv0ruaaLltlyanpnnnoudhtbpalrgvioceupn.aeAPrrtaatylrnaakwtpnepateriycadSis.BuaCialt.eoyNm1o0Mt0mao, VurctoinrgmgiaicnmagiaitetimBoGeenanrcotihsut,oiVpnlA,etneL2dn.3L.4dA.5Cet2l.da.nNftoiMcrBLraSeya#Ml 7oe2rst0tgaa4gt3ee
(nmlsconsumeraccess.org) is an Equal Opportunity Lender. Located at 600 Lynnhaven Parkway Suite 100 Virginia Beach, VA 23452.

Atlantic Bay Mortgage Group®

Our Competitive Advantages

Other Lenders Atlantic Bay Advantages

FHA/VA 640 600 We approve loans that other lenders cannot due to limited credit
USDA score criteria. Our programs offer the most options for those with less
640 620 than perfect credit or anyone just starting to build credit.

CREDIT RESCORING Not Always With our ability to use credit rescoring, we can give your clients
Yes insight to help increase their score so that they have a better chance

of qualifying for a loan.

VARIETY OF PROGRAMS Not Always In addition to our wide variety of lending solutions, Atlantic Bay
has a designated support staff that solely works on renovation and
(Including Renovation & Yes construction products. This means that you have a specialized team
Construction Loans) of experts working on your client’s behalf to ensure an easier loan
process, without unnecessary delays.

APPRAISAL MANAGEMENT Typical We do not use a third party Appraisal Management Company for
COMPANY the assigning and tracking of our non-VA loan appraisals. Each
No appraiser is local, experienced, and upholds the same high standards
that Atlantic Bay does. This means appraisals will be completed in a
timely fashion and will reflect accurate market values.

FULL UPFRONT Not Always Atlantic Bay fully underwrites loans upfront, so your clients will know
UNDERWRITING what documents are needed to support the loan approval. Upfront
underwriting helps mitigate any issues that may need resolving.
(Even Without a Yes When writing an offer on a home, having a full loan approval puts
Property Address) you in a stronger negotiating position against other buyers. It
also helps you know what your clients can afford before you start
showing them homes.

QUICK TURN TIMES 1-2 Weeks 2-3 Days Once a loan application is submitted, it goes directly to an
underwriter for full review. With other lenders, a loan may spend
weeks in processing before you know their credit decision. Our
underwriters are the most experienced and hard-working in the
industry, and understand the importance of prompt communication.

CLOSE BY CONTRACT DATE Not 98.4% of all Atlantic Bay loans are closed on or before the contract
Guaranteed Yes date. By having a reputation for closing loans with speed and

efficiency, we have been able to build a track record of trust with both
clients and industry professionals.

Allison Beldick, CMA

Senior Mortgage Banker

NMLS #902007, Licensed in FL, GA #34563, KY, NC

Direct: 404-788-0705 Revised Aug 09, 2022
Office: 470-481-8700 x 5325
Fax: 844-369-5296
[email protected]
www.ateamhomeloans.com

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formation deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment
to lend. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Opportunity Lender. Located at 600 Lynnhaven
Parkway Suite 100 Virginia Beach, VA 23452.

10 Things Real Estate Agents Should
Know About Mortgage Lending

1. THE THREE C’S: CREDIT, CAPACITY, AND COLLATERAL. 6. YOUR CLIENT DOESN’T NEED A PROPERTY ADDRESS
A loan application must satisfy the three C’s, meaning the TO QUALIFY FOR A LOAN.
applicant’s credit must meet certain qualifications, the applicant Atlantic Bay Mortgage Group® offers up front underwriting,
must have the capacity to repay their debt (determined by a which allows the borrower to obtain a conditional approval for a
debt-to-income ratio), and the applicant’s home must serve mortgage loan without having a property address. Having this
as collateral, and therefore must appraise for at least the approval upfront will give you peace of mind knowing exactly how
loan amount. much your client can afford.

2. YOUR CLIENT DOESN’T ALWAYS NEED A 20% DOWN 7. PRE-QUALIFICATION AND A CONDITIONAL APPROVAL
PAYMENT. ARE DIFFERENT.
A 20% down payment is required on a conventional loan when Pre-qualification is based on basic information provided by the
the borrower is trying to avoid private mortgage insurance (PMI), borrower that hasn’t been verified by the lender yet. A conditional
but is not required on every loan. For example, FHA loans only approval is based on a more in-depth review of the borrower’s
require a 3.5% down payment. VA loans offer a no down payment financial information by an underwriter and underwriting system.
loan option.
8. PROPERTY TYPE AFFECTS MORTGAGE ELIGIBILITY.
3. CLOSING COSTS WILL REQUIRE EXTRA CASH. Standard mortgage loan guidelines are based on single family
Closing costs are an additional cost when it comes to buying a houses. The guidelines change along with the property type,
home. Some loan programs allow the seller to assist the borrower which can be multi-family properties, properties attached to other
with closing costs. properties, investment properties, second homes, etc.

4. INFORMATION ON THE LOAN APPLICATION MUST REMAIN 9. THE LOWEST INTEREST RATE ISN’T ALWAYS THE
TRUE THROUGHOUT THE LOAN PROCESS. BEST OPTION.
An applicant’s approval could be affected if they change jobs, get a A low interest rate loan with higher fees may end up costing the
divorce, buy a new car or new furniture, or take on new debts during borrower more over time than a high interest rate loan with low
the loan process. fees. This has to do with how long the borrower plans to own the
home or how quickly they plan to pay it off.

5. CREDIT IS IMPORTANT. 10. LENDERS ENFORCE THE MORTGAGE RULES MADE
The credit score is a major factor that lenders look at when they BY OTHER INSTITUTIONS.
consider an applicant. There are different mortgage loan products Most mortgage loan guidelines are established by large financial
for borrowers in different financial situations and with varying institutions. These organizations support the mortgage industry
credit scores. For example, FHA loans offer flexible credit options by providing the source of money. If lenders fail to meet these
with a 3.5% down payment for eligible borrowers. guidelines when lending, they may be penalized and lose
money. Lenders must also follow state and federal regulations
or face major penalties.

PLEASE DON’T HESITATE TO REACH OUT TO ME WITH ANY QUESTIONS. I AM HERE TO HELP.

Allison Beldick, CMA

Senior Mortgage Banker
NMLS #902007, Licensed in FL, GA #34563, KY, NC

Direct: 404-788-0705 Revised Aug 09, 2022
Office: 470-481-8700 x 5325
Fax: 844-369-5296
[email protected]
www.ateamhomeloans.com

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position may impact final loan approval. All loans subject to satisfactory appraisal, clear property title, and final credit approval. Communication
is intended for real estate and/or financial professionals only and not intended for distribution to the general public. Atlantic Bay Mortgage Group,
L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Opportunity Lender. Located at 600 Lynnhaven Parkway Suite 100 Virginia Beach, VA
23452.

Financing Options

Atlantic Bay Mortgage Group® offers tailor-made lending solutions to fit every borrower’s unique mortgage needs. From the first-time buyer to
the investor, we’ll find a financing option that works for you.

CONVENTIONAL LOAN RENOVATION LOAN

• As low as 3% down payment financing available with income • Conventional, FHA, and VA options available
• As low as 3% down payment, based on loan program, eligibility
limits, or without income limits for first-time homebuyers • Primary residence, second homes, and investment properties
• Standard and limited products available
• Minimum credit score is 620 • Wide variety of eligible repairs and upgrades
• Maximum seller contributions
• 6% for loan-to-value (LTV) less than 90% USDA LOAN
• 3% for LTV greater than 90%
• 2% for investment properties • 100% financing
• Minimum credit score is 620
FHA LOAN • Maximum 6% seller contribution
• Refer to USDA for income limits and eligible counties
• Non-traditional credit allowed
• Minimum credit score is 600 VA LOAN
• Maximum 6% seller contribution
• As low as 3.5% down payment financing available • 100% financing up to the allowable county limit
• Jumbo loan amounts to $1.5 million
JUMBO LOAN • Minimum credit score is 600 (additional restrictions

• Purchase or refinance loan options available for scores under 620)
• As low as 10% down payment financing available
• Loan amounts up to $3 million • Unlimited seller contribution, plus 4% for concessions
• Primary residence and second homes
(pay off debt, buy furniture, etc.)

• Active duty service members, veterans, and spouses may be

eligible. A Certificate of Eligibility (COE) from the VA determines

eligibility.

PLEASE CONTACT ME WITH QUESTIONS OR FOR ADDITIONAL INFORMATION ON ANY OF OUR AVAILABLE LOAN PRODUCTS.

Allison Beldick, CMA

Senior Mortgage Banker

NMLS #902007, Licensed in FL, GA #34563, KY, NC

Direct: 404-788-0705 Revised Aug 09, 2022
Office: 470-481-8700 x 5325
Fax: 844-369-5296
[email protected]
www.ateamhomeloans.com

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Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Opportunity Lender. Located at 600 Lynnhaven Parkway Suite 100 Virginia
Beach, VA 23452.

Quick Reference Loan Guid

Conventional Guidelines VA Loa

Down payment 3% 0%

Seller contribution Greater than 90% loan-to-value (LTV) = 3% All allowable closi
(based on sales 75.01% to 90% LTV= 6% prepaids, including u
price) 75% LTV or less = 9%
points, plus 4% bu
2% for all investment properties

Gift money Gifts allowed on primary residence or second Gift funds a
home, not allowed on investments

Loan limits $647,200 $647,200 - varie

Credit scores 620 As low as 600 - d
loan amo

Bankruptcy Chapter 7 – 4-yr waiting period from discharge Chapter 7 – 2-yr w
Chapter 13 – 2-yr waiting period from discharge from disch
Chapter 13 – 4-yr waiting period from dismissal
Chapter 13 – May
after 1 yr (Restric

Foreclosure/ Foreclosure – 7-yr waiting period 2-yr waiting
deed-in-lieu of Deed-in-lieu – 4-yr waiting period
foreclosure

No waiting

Short sales 4-yr waiting period No late mortgage pa

last 12 mo

Primary residence, Primary reside

Occupancy second home (10% down), (No unmarried co

investment (15% down) both are VA-

Eligible borrowers U.S. citizens, permanent/non-permanent Active duty, vetera
resident aliens (SSN/work eligibility) spouses, reservist

apply

*Loan amounts dependent on credit scores and entitlement. Additional loan program restrictions

Allison Beldick, CMA

Senior Mortgage Banker
NMLS #902007, Licensed in FL, GA #34563, KY, NC

Direct: 404-788-0705
Office: 470-481-8700 x 5325
Fax: 844-369-5296
[email protected]
www.ateamhomeloans.com

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O23p4p52o.rtunity Lender. Located at 600 Lynnhaven Parkway Suite 100 Virginia Beach, VA 23452.

de

an FHA Loan USDA Loan

ing costs and 3.5% 0%
up to 2 discount
uyer discretion Up to 6% Up to 6%

allowed Gift funds allowed Gift funds allowed
Varies by area
es by area* $420,680 620
dependent on
ount 600 Chapter 7 – 3-yr waiting period
waiting period from discharge
harge Chapter 7 – 2-yr waiting period
y be eligible from discharge Chapter 13 – May be eligible
tions apply) after 1 yr (Restrictions apply)
Chapter 13 – May be eligible
after 1 yr (Restrictions apply) 3-yr waiting period
(Requires RD approval)
g period 3-yr waiting period
3-yr waiting period
period 3-yr waiting period
ayments in the No waiting period if borrower is Primary residence only
onths
ence only current on mortgage/debt U.S. citizens,permanent/non-
ouples unless permanent resident aliens (SSN/
-eligible) Primary residence only
ans/surviving work eligibility)
ts (restictions U.S. citizens, permanent/non-
y) permanent resident aliens (SSN/
s may apply.
work eligibility)

Revised Aug 09, 2022

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The Blend App
makes mortgage
updates a snap.

The Blend Agent App provides a single hub where Agents and Mortgage Bankers can communicate and receive automated loan updates.
It’s easy to use on your phone, tablet, or desktop.

Get started in just a few steps!

1. Download the app, and create your account. You can use Google, Facebook, or email.
2. Enter and verify your phone number with a code Blend texts you.
3. Enter your name and email, and you’ve got your account!
4. Start creating your leads by entering potential buyers’ information.
5. Select me as your Mortgage Banker!
6. Click “Confirm,” and your client receives an invitation to complete a mortgage application.
7. Follow your lead’s actions in the Activity section, as well as add notes and closing dates.
8. Maintain your client information and your personal profile as the loan process continues.

Client mortgages. Communication. Convenience. What could be better?

CONTACT ME TODAY FOR MORE INFORMATION ON HOW WE CAN BOTH BENEFIT FROM THE BLEND APP!

Allison Beldick, CMA

Senior Mortgage Banker

NMLS #902007, Licensed in FL, GA #34563, KY, NC

Direct: 404-788-0705 Revised Aug 09, 2022
Office: 470-481-8700 x 5325
Fax: 844-369-5296
[email protected]
www.ateamhomeloans.com

Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. Atlantic Bay Mortgage

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for distribution to the general public. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Opportunity Lender.
Located at 600 Lynnhaven Parkway Suite 100 Virginia Beach, VA 23452.

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Tailor-Made Lending
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marketing materials, take advantage of advanced database management, use mobile features, conveniently communicate with your

Mortgage Banker, and so much more. Below is a breakdown of everything you need to know.

WHY USE THE AGENT PORTAL?

• Receive your own login credentials
• Customize print marketing pieces instantaneously
• Approve co-branded pieces
• Showcase listings with single property websites (integrated with MLS)
• Generate leads through lead capture apps

LEAD CAPTURE APPLICATIONS

Create and customize apps in TE to use at various events, generate business on social media through home valuations (think
complimentary consultations or request for a quote/service), or make the most of your interactions with guests at open houses. Generate
leads and build relationships with clients by allowing TE to capture and store names and contact information for you to reference later.

SINGLE PROPERTY WEBSITES

Create listing sites easily by allowing TE to pull MLS property photos, descriptions, and features for you (watch them auto-populate on the
website!)

HUNDREDS

OF MARKETING PIECES

Veterans, BACK SpIitceUp LET’S GO Getting Married and
did you know? TO Buying a New Home?
SCHOOL Give me a call! FETCH
You may be eligible for a Do you already have plenty
second VA loan with little Cheers A NEW HOME of household items, but
to no down payment. ... to a great opportunity. TOGETHER! just need help buying a
Let’s chat! home? Instead of asking for
n some cases, you may be eligible to have two VA loans at the same YOU’RE traditional gifts, start
time. One common situation is when a VA homeowner has to relocate to a down payment gift fund so
a new duty station, but wants to keep and rent out their former residence. FANGTASTIC that friends and family can
A renter locked into a lease who will cover your old monthly payments help you invest in your future.
can help make this scenario work. If you have enough remaining Produced by Atlantic Bay Mortgage Group®
entitlement, you might be able to secure a second VA loan in your new There are some loan programs that allow you to use gift
ocation. Contact us today to discuss your VA options. funds for your down payment. You may be able to set up
an account at your bank that allows friends and family to
deposit funds directly. It’s easy to set up, and financing is
available through Atlantic Bay Mortgage Group®.

Keep in mind that most loan programs will require your
friends and family to write a letter stating their intention
for the gift. It’s best to let them know upfront, so you
don’t have to collect these letters during the loan process.

THERE ARE MANY DIFFERENT DOWN PAYMENT
GIFT FUND OPTIONS AVAILABLE. CONTACT US
TODAY TO LEARN MORE.

Amy Agent Sam Sample Amy Agent Sam Sample Jonathan Realtor Laura Lenderson
REALTOR®, Licensed in VA Mortgage Banker REALTOR®, Licensed in VA Mortgage Banker Agent Licensed in IL, MI, MN, NJ, NY Loan Officer, NMLS #123456
Sample Real Estate Company NMLS #123456, Licensed in VA Sample Real Estate Company NMLS #123456, Licensed in VA Total Expert Georgia Residential Mortgage Licensee #25962

Direct: 123-456-7890 Direct: 123-456-7890 Direct: 123-456-7890 Direct: 123-456-7890 Direct: (555) 555-5555 Direct: 333-333-3333
Office: 123-456-7890 Office: 123-456-7890 Office: 123-456-7890 Office: 123-456-7890 Office: (444) 444-4444 Office: 444-444-4444
Fax: 123-456-7890 Fax: 123-456-7890 Fax: 123-456-7890 Fax: 123-456-7890 [email protected] Fax: 555-555-5555
[email protected] [email protected] [email protected] [email protected] totalexpert.com [email protected]
www.samplerealestate.com/amyagent www.atlanticbay.com/samsample www.samplerealestate.com/amyagent www.atlanticbay.com/samsample atlanticbay.com

Revised Aug 16, 2019 Revised Aug 16, 2019 Revised Jun 20, 2019
a brokerage relationship with another agency, this is not intended as a solicitation. This communication is provided to you for informational purposes only and should not be relied upon by you. Featured real estate If you have a brokerage relationship with another agency, this is not intended as a solicitation. This communication is provided to you for informational purposes only and should not be relied upon by you. Featured real estate
s not a mortgage lender and so you should contact Atlantic Bay Mortgage Group, L.L.C. directly to learn more about its mortgage products and your eligibility for such products. Loan programs may change at any company is not a mortgage lender and so you should contact Atlantic Bay Mortgage Group, L.L.C. directly to learn more about its mortgage products and your eligibility for such products. Loan programs may change at any If you have a brokerage relationship with another agency, this is not intended as a solicitation. This communication is provided to you for informational purposes only and should not
r without notice. This information is not intended to replace the advice of a tax professional. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property time with or without notice. This information is not intended to replace the advice of a tax professional. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property be relied upon by you. Featured real estate company is not a mortgage lender and so you should contact Atlantic Bay Mortgage Group, L.L.C. directly to learn more about its mortgage
Not a commitment to lend. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Opportunity Lender. Located at 596 Lynnhaven Parkway Suite 200 Virginia Beach, VA 23452. appraisal. Not a commitment to lend. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Opportunity Lender. Located at 596 Lynnhaven Parkway Suite 200 Virginia Beach, VA 23452. products and your eligibility for such products. Loan programs may change at any time with or without notice. For refinances, the total finance charges may be higher over the life of
the loan. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. Atlantic Bay
Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Opportunity Lender. Located at 600 Lynnhaven Parkway Suite 203 Virginia Beach, VA 23452.

PRINT MARKETING

• Co-brand a variety of print collateral
• Flyers (on financing, loan programs, open houses, homebuyer checklists & tips, listing flyers, and more!)
• Doorhangers
• Pop-bys (an assortment with seasonal options added throughout the year)
• Direct and non-direct mailed postcards
• EDDM postcards

The options for you and your Mortgage Banker to reach clients, effectively market together, and expand your business are endless
with TE. User-friendly features and an array of tools are just a click away. Reach out to your mortgage banker today and get set up to
co-market. It’s time to get started!

Allison Beldick, CMA

Senior Mortgage Banker

NMLS #902007, Licensed in FL, GA #34563, KY, NC

Direct: 404-788-0705 Revised Aug 09, 2022
Office: 470-481-8700 x 5325
Fax: 844-369-5296
[email protected]
www.ateamhomeloans.com

IGInnrfofoourmprm,aLta.iLot.nCio.dNneMedmLeSeed#mr7e2eli0da4br3lee(lnbiamubtlsnlceootbngsuuutamrnaeornattcegceedus.asA.rolalrglno)atiseneasndsu.EbCqjueocamtl tOmopipnuocnortimcuaneittviyoeLrniefincisadteiinro.ntLe,ocncradetdeeidtdaafptop6rr0orev0aaLllyaennnsdhtpaarvtoeepneaPrntaydrak/wpoparryafSiisnuaailt.enN1co0ita0al, VpcoirrmogifnmeiasitsmBieoeannctaht,losVlAeonn2d3l.y4A5at2lan. ndticnBoatyinMtoerntgdaegde
for distribution to the general public. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Opportunity Lender.
Located at 600 Lynnhaven Parkway Suite 100 Virginia Beach, VA 23452.

BYOU’LL FOR YOU. TO CK
BE SCHOOL
TOGGETRHOLEERWT!’SURSTINGEWXCIITTHEMENT!Produced byAtlantic Bay Mortgage Group®
Cheers... to a grLeeatto’sppcorhtuantit!y.
Pop-By ProgramU C K
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ren't mreeaady beyond measure.I value your business
give
ll.

Reet. HAVE WE TOLD YOU LET’S GO
se-ently grefaotrTbeeaincg aaPWtqhnuoHeidpcyA-ky’rBToewyuIamsSryaeMAtmrooeProsstOrmtgaraPebaAgnP-llreleogBPd,tutYBoHacPhedk?naeORbednynnAEkWtmrslaeeCnrtoloi.caMIfBrDAteaaiyUeToMpismnoECpritgsgprHahYengoeiceOpGrWirdtaosauU.tptEniToo?tanlbyget,ghwdeardiltolwpahprieteelhpcdaoyo-onfbuforiatinenn-cadprneeeddarsswyoeonityu,hotrhuycerooybun’turaescianteinssfo. rAmtlaatniotinc,Bay
FETCHTAOGNEETWHEHRO!ME
her!Mortgage Group® offers a wide selection of Pop-Bys to choose from.

HOW TO USE A POP-BY

FAN YOU’RE • Pair tags and items together for people you’d like to deepen your professional relationship with.
G • Call your client to announce that you’ll be popping by for a short visit ahead of time.
TAS • During your visit, reassure the client that you always have time to help them.
TICTIPS FOR POP-BYS:

• Use branded promotional giveaways and shop at the dollar store to get many small items at low cost.
Produced by Atlantic Bay Mortgage Group®

• Make a list of people you want to visit each week and ask them if there’s anyone they can assist professionally.

• Visit your client’s place of business to reach more people and create excitement when you pop by.

CALL ME TODAY TO LEARN HOW OUR POP-BY PROGRAM CAN HELP YOUR BUSINESS.

Allison Beldick, CMA

Senior Mortgage Banker

NMLS #902007, Licensed in FL, GA #34563, KY, NC

Direct: 404-788-0705 Revised Aug 09, 2022
Office: 470-481-8700 x 5325
Fax: 844-369-5296
[email protected]
www.ateamhomeloans.com

AIGnrvfooaurmipla,aLbt.iLoil.niCt.ydNeiMesmLsSeud#br7je2eli0ca4tb3lteo(nbcmuhtlsnaconotnggseuu.amCraeornastcetcesedsa.sAn.oldlrglof)aeisneassnsauEbpqjpuecaltyl tOofpoipnrocuortsmueneiotvyfeLrmiefincaadrtekiroe.nLt,oinccragetdesidteaarpvtpi6cr0oev0sa.LlCyanonnmdhpamrvoeupnenPritcayaraktwpioparnyaSiissuailit.neNt1oe0tn0ad, VceoidrmgifnmoiairtmBreeeaanclthet,osVtlAeant2de3.4Ap5tr2loa. nfetiscsBioaynaMlosrtognaglye
and is not intended for distribution to the general public. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal
Opportunity Lender. Located at 600 Lynnhaven Parkway Suite 100 Virginia Beach, VA 23452.

Allison Beldick, CMA

Senior Mortgage Banker

NMLS #902007, Licensed in FL, GA #34563, KY, NC

Direct: 404-788-0705 Revised Aug 12, 2022
Office: 470-481-8700 x 5325
Fax: 844-369-5296
[email protected]
www.ateamhomeloans.com

Availability is subject to change. Costs and fees apply for use of marketing services. Communication is intended for real estate professionals only and is not intended for distribution
to the general public. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Opportunity Lender. Located at 600 Lynnhaven Parkway Suite 100
Virginia Beach, VA 23452.



Allison Beldick, CMA Revised Aug 09, 2022

Senior Mortgage Banker
NMLS #902007, Licensed in FL, GA #34563, KY, NC

Direct: 404-788-0705
Office: 470-481-8700 x 5325
Fax: 844-369-5296
[email protected]
www.ateamhomeloans.com

Visit atlanticbayworks.com/AllisonBeldick, CMA or reach out for more information.

Allison Beldick, CMA

Senior Mortgage Banker

NMLS #902007, Licensed in FL, GA #34563, KY, NC

Direct: 404-788-0705 Revised Aug 09, 2022
Office: 470-481-8700 x 5325
Fax: 844-369-5296
[email protected]
www.ateamhomeloans.com

All Information deemed reliable but not guaranteed. Atlantic Bay Mortgage Group, L.L.C. is not responsible for compensation of all benefits listed. Loan programs, interest rates, and
fees are subject to change without notice. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. Atlantic Bay Mortgage Group,
L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Opportunity Lender. Located at 600 Lynnhaven Parkway Suite 100 Virginia Beach, VA 23452.