You Deserve a Mortgage Banker Who Actually Fights for You
I help military members and first-time homebuyers get approved—even when other lenders have said "no."
- 100% confidence from application to closing
- Personalized guidance for unique situations
- Military & VA loan expertise
- Solutions when others say "no"
Why Choose Ryan Bruff?
I focus on finding solutions that others miss.
Military Specialist
Deep expertise in VA loans and military member benefits.
First-Time Buyer Expert
Guiding you every step—from pre-approval to keys in hand.
Problem Solver
Been denied elsewhere? I specialize in creative solutions.
Relationship-First
You're not just a file number. I'm with you through closing and beyond.
100% Confidence
No surprises at closing. Complete confidence in your decision.
Multi-State Licensed
Licensed in NC, SC, FL, GA, and VA.
Your Journey to Homeownership
A clear path from first call to keys in hand
Initial Call
Quick conversation about your goals.
5-10 minExplore Options
Review programs you qualify for.
1-2 daysGet Approved
Submit docs, get approved confidently.
2-3 weeksClose & Celebrate
Get the keys to your new home!
As early as 20 daysCommon Questions
This is my specialty. I work with many clients who have credit challenges. Every situation is unique, and there are often programs others overlook.
It depends on your situation. VA loans can require $0 down. First-time buyer programs may require as little as 3%.
VA loans are incredible—often no down payment with competitive rates. I specialize in helping active duty, veterans, and surviving spouses.
From application to closing can happen in as little as 20 days, though every situation is different.
Absolutely not. Our initial consultation is completely free with no obligation.
Meet Ryan Bruff
Sr. Mortgage Banker, Atlantic Bay Mortgage Group
I started my mortgage career in 2012 with one goal: to help people achieve their dream of homeownership, especially those who face challenges others won't solve.
I specialize in working with military members and first-time homebuyers—two groups often underserved by the mortgage industry.
My promise: I'll work tirelessly to find a solution, keep you informed, and ensure you walk into closing with 100% confidence.
Let's Talk About Your Situation
Call now for a friendly conversation—no pressure, just honest guidance.
Call: (910) 555-1234Here's How It Works:
A few simple questions about your situation.
Discuss available programs for your goals.
Book time to meet with Ryan personally.
Mon-Fri 9am-6pm EST | Sat 10am-2pm EST