Home Loans Simplified

Atlantic Bay has mortgage and refinance choices to fit your needs.

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Rick Melville

Certified Mortgage Planning Specialist NMLS# 107798

Rick’s background in creative thinking, dedication to client needs, and impressive track record of offering the best mortgage planning solutions produces top-notch results for his clients. Rick builds relationships with best Realtors, CPA’s and Financial Planners and works both smart and hard on behalf of his mortgage clients.

Our goal is to be Proactive, Thorough and Transparent in order to give our customers a GREAT mortgage experience.


Buying a new home is within your reach.

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Lower your monthly payments to achieve your financial goals.

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Home Loan Options

Our job is to find the right loan to fit your needs. We have great loan options including the loans below.

Conventional Home Loan

  • Most common loan for US homebuyers
  • Put down as little as 3%
  • No out-of-pocket closing cost option
  • Choose fixed or adjustable-rate

FHA Home Loan

  • Great for first-time homebuyers
  • Down payments as low as 3.5%
  • No-closing-cost option
  • Gift down payments OK

VA Home Loan

  • Military service members earn this valuable benefit
  • No money down option
  • No-closing-cost option
  • No monthly mortgage insurance payment

Client Testimonials

  • Kelly G.

    This is my second time working with Rick and both times have been super smooth! I spoke to him in late February, turned in my paperwork on March 3rd and closed on my refi on March 20th.

  • Greg H.

    We had a great experience using Rick and his team! We were able to capitalize on a great rate and great timing thanks to his knowledge and team. Would highly recommend using him as it was very seamless and didn’t take much time out of our normal routine to save some money and prepare for our little one on the way!

  • Kelly A.

    Rick was fantastic to work with! He kept us up to date every week and gave us clear instructions. He took time out of his evenings and weekends to help us through this process. As a first time home owner he was great!

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