Military Appreciation Week Military Appreciation Week
May 18, 2024 from 10:00 AM to 5:00 PM



Mortgage Calculator

Please enter all amounts in whole dollars.

*DISCLAIMER:  The above mortgage calculator is not affiliated with our preferred lenders. You should speak to a lender for more information regarding your specific situation.



Experience the Difference with Atlantic Builders and also with our Preferred Lenders. We believe in consumer choice and have partnered with several lenders whom we believe are the best in our area.

CMG Home Loans 

Tricia Goodwin, Sales Manager at CMG Home Loans, has worked in mortgage lending for 14 years with an additional 13 years of experience in the title industry. Her background in title insurance enabled her to build a strong foundation for both residential builder business as well as purchase and refinance loan transactions. This unique experience combined with her knowledge of local market trends allows her to be successful with her business endeavors. Additionally, She thrives on delivering exceptional service by ensuring consistent communication with her clients throughout the lending process. Tricia credits her successful referral business to her thriving industry practices, commitment to her clients, and her reputation as a trusted lender.


Embrace Home Loans

Hal Johnson, Senior Loan Officer with Embrace Home loans, has worked in mortgage lending for over 20 years.  He has extensive experience with closing builder/new construction loans.  Hal is an active member of the Blue Ridge Home Builders Association and the Charlottesville Area Association of Realtors. (He was honored to be named the CAAR Affiliate member of the year for 2021). Hal combines his listening/communication skills with Embrace Home Loans exclusive products and pricing to provide buyers with best in class service. Hal and his experienced team look forward to helping you with your Atlantic Builders purchase.



Guaranteed Rate

Mike Sanchez, Branch Manager/VP of Mortgage Lending for Guaranteed Rate at their Stafford and Gainesville Virginia locations, has been in the Mortgage Industry for over 20 years. Utilizing his experience, he and his team will formulate the loan program that best fits your financial needs. While knowledgeable on a wide variety of loan programs from Government to Conventional, he has extensive knowledge of VA Loans.  Mike has been ranked in the top 1% of Mortgage Originators in the Country for 2013 - 2019 and also listed as one of the top 25 VA Mortgage Originators in the Country, according to Mortgage Executive Magazine. He is also ranked in the top VA Loan Originator in the state of Virginia for 2013 - 2019 according to Scotsman's Guide Magazine.


Union Home Mortgage

John Reid, Branch Manager at Union Home Mortgage, Fredericksburg, has been in the mortgage industry for over 25 years serving the Fredericksburg and surrounding counties.  John is in the top 1% of mortgage originators in America.  His knowledge and experience of FHA, VA & Conventional loans along with the exclusive products Union Home Mortgage offers, will provide you with the best mortgage options available.  John is a hometown lender who takes great pride in serving his customers!


UVA Community Credit Union Mortgages

Donna Lightner, Mortgage Loan Originator, brought over 20 years of real estate title experience with her when she made the seamless transition to lending in 2021. Working in the title industry gave her a solid foundation for building strong relationships with residential builders and anticipating the needs of her clients to easily assist them with purchasing and refinancing. Donna understands the importance of open and honest communication, and considers great customer service one of her strongest assets! (NMLS ID # 2276554)


Wells Fargo Home Mortgage

Take the first step! Get preapproved today. Experience a streamlined home buying process that starts with a preapproval. Knowing you’ve been preapproved for a mortgage, and how much you may qualify for, can help you focus on looking at homes within your price range.


W. Scott Hawkins (NMLSR ID 463473), Home Mortgage Consultant and Military Lending Specialist


Janet Ellis (NMLSR ID 453828), Home Mortgage Consultant and Military Lending Specialist



***If you are purchasing a new home, please refrain from the following:


  1. Do not make any purchases over $1,000 or open any new lines of credit for any reason.
  2. Do not make any Large Deposits into any accounts being used for this loan process. All large deposits MUST be sourced and seasoned.


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Atlantic Builders · 1975 Emancipation Hwy · Fredericksburg , VA 22401 · 540-891-8540
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Location, home designs, features and prices are subject to change without notice. We are pledged to the letter and spirit of the U.S. policy for the achievment of equal housing opportunity throughout the Nation. We encourage and support an affirmative marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status or national origin.