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I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
Rating: 4.5 out of 5.0 from Encompass More clear communication Brandon ENorfolk, VA May 30
More clear communication
Rating: 5.0 out of 5.0 from Encompass Chris went above and beyond to make this transaction happen. He met with the client and his parents in person to help provide guidance and assurance that got us across the finish line HAINorfolk, VA May 27
Chris went above and beyond to make this transaction happen. He met with the client and his parents in person to help provide guidance and assurance that got us across the finish line
Rating: 5.0 out of 5.0 from Encompass Very helpful and knowledgable, would absolutely recommend Hudson ANORFOLK, VA May 25
Very helpful and knowledgable, would absolutely recommend
Rating: 5.0 out of 5.0 from Encompass No specific reason. Guy GELBERON, VA May 18
No specific reason.
Rating: 5.0 out of 5.0 from Encompass He was available when I had questions and was able to answer them right Kimberley APORTSMOUTH, VA May 06
He was available when I had questions and was able to answer them right
Rating: 5.0 out of 5.0 from Encompass Constant contact and availability Brian MCLINTON, CT Apr 20
Constant contact and availability
Rating: 5.0 out of 5.0 from Encompass Mr Rice was extremely knowledgeable, personable, and professional while handling my loan. He thoroughly explained everything and assisted me during each step of the proces. Beverley GChesapeake, VA Apr 19
Mr Rice was extremely knowledgeable, personable, and professional while handling my loan. He thoroughly explained everything and assisted me during each step of the proces.
Rating: 5.0 out of 5.0 from Encompass Chris is personable and answered all questions we had throughout the entire process!! Highly reccomend working with chris! Julia MNORFOLK, VA Apr 14
Chris is personable and answered all questions we had throughout the entire process!! Highly reccomend working with chris!
Rating: 5.0 out of 5.0 from facebook In the real estate business, most mortgage bankers are great at doing loans but do they care for you and your business. Chris not only can do mortgage loans; he cares for your success of you and your business by providing resources to grow your business by referrals such as sponsoring a 7L Book Club for his real estate agents. He is showing them he... Arnel Jeanice Tanyag Apr 04
In the real estate business, most mortgage bankers are great at doing loans but do they care for you and your business. Chris not only can do mortgage loans; he cares for your success of you and your business by providing resources to grow your business by referrals such as sponsoring a 7L Book Club for his real estate agents. He is showing them he...
Rating: 5.0 out of 5.0 from facebook He and his team are SUPER responsive, and patient through a complicated closing. I can't say enough good things about Atlantic Bay and Chris! Aubrey Pithwa Apr 04
He and his team are SUPER responsive, and patient through a complicated closing. I can't say enough good things about Atlantic Bay and Chris!
Rating: 5.0 out of 5.0 from facebook Chris and his team are amazing! Our financing process was seamless, they answered all questions quickly, & we had no delays or problems at all. Can’t recommend them enough! Natalie Helm Ashcraft Apr 04
Chris and his team are amazing! Our financing process was seamless, they answered all questions quickly, & we had no delays or problems at all. Can’t recommend them enough!
Rating: 5.0 out of 5.0 from Zillow I've worked with other lenders before but Chris is the best. Chris and his team made the homebuying process effortless for me. I highly recommend him and Atlantic Bay Mortgage if in the market for a new home. CelesteNorfolk, VA Apr 03
I've worked with other lenders before but Chris is the best. Chris and his team made the homebuying process effortless for me. I highly recommend him and Atlantic Bay Mortgage if in the market for a new home.
Rating: 5.0 out of 5.0 from Zillow Chris rice made me feel like I was a top priority customer. He answered all calls and text messages at all hours with an questions that I had. He call to make sure I was happy with my home. I am so excited to build a future in the house that Chris helped me close on he is a one of a kind mortgage lender and I would recommend him to any one WandacFranklin, VA Apr 03
Chris rice made me feel like I was a top priority customer. He answered all calls and text messages at all hours with an questions that I had. He call to make sure I was happy with my home. I am so excited to build a future in the house that Chris helped me close on he is a one of a kind mortgage lender and I would recommend him to any one
Rating: 5.0 out of 5.0 from Zillow Chris and his team were extremely helpful and accommodating through my entire journey to buying my first house in this crazy market. Any questions or concerns I had were explained and answered thoroughly. Would gladly recommend Chris and his team to any of my friends. Philip ChaykaChesapeake, VA Apr 03
Chris and his team were extremely helpful and accommodating through my entire journey to buying my first house in this crazy market. Any questions or concerns I had were explained and answered thoroughly. Would gladly recommend Chris and his team to any of my friends.
Rating: 5.0 out of 5.0 from Zillow Chris Rice is honest, responsive, and so knowledgeable about the mortgage process. He knows his stuff inside and out. He has worked with friends and family members for initial purchases as well as refinancing their homes. Everyone I know who has gone to him has been extremely happy. I highly recommend him! RebeccaVirginia Beach, VA Apr 03
Chris Rice is honest, responsive, and so knowledgeable about the mortgage process. He knows his stuff inside and out. He has worked with friends and family members for initial purchases as well as refinancing their homes. Everyone I know who has gone to him has been extremely happy. I highly recommend him!
Rating: 5.0 out of 5.0 from Encompass very knowledgeable. always available and very hard worker. Helped every step of the way. This guy needs a promotion! Ralph EmorySOUTH MILLS, NC Mar 20
very knowledgeable. always available and very hard worker. Helped every step of the way. This guy needs a promotion!
Rating: 5.0 out of 5.0 from Encompass Chris rice was available day and night. Managed to lock them in with some great benefits where the buyers basically had to bring nothing to the table. Always providing updates calling texting emails etc. consistent with his follow up and looking at the file. made the process smooth and stress free! Will ... BrandonVIRGINIA BEACH, VA Mar 19
Chris rice was available day and night. Managed to lock them in with some great benefits where the buyers basically had to bring nothing to the table. Always providing updates calling texting emails etc. consistent with his follow up and looking at the file. made the process smooth and stress free! Will ...
Rating: 5.0 out of 5.0 from Encompass Chris was seemingly always available, and went above and beyond to ensure that everyone involved on my team worked together in order to get my closing done in time, i'm not even sure I would be moved into my house by now if it wasn't for Chris Timothy EBOLTON, CT Feb 12
Chris was seemingly always available, and went above and beyond to ensure that everyone involved on my team worked together in order to get my closing done in time, i'm not even sure I would be moved into my house by now if it wasn't for Chris
Rating: 5.0 out of 5.0 from Encompass The team was patient and understanding Isaac CVIRGINIA BEACH, VA Dec 24
The team was patient and understanding
Rating: 5.0 out of 5.0 from Encompass Great communication and very easy to work with Angela JNORFOLK, VA Dec 15
Great communication and very easy to work with
Rating: 5.0 out of 5.0 from Encompass Thank you! Your communication has been clear, timely, and very helpful throughout the entire process. IrainnyWILLIAMSBURG, VA Nov 21
Thank you! Your communication has been clear, timely, and very helpful throughout the entire process.
Rating: 5.0 out of 5.0 from Encompass Chris was very transparent and up fromt about everything. Made every step easy and allowed us to complete tasks dorectly through him when the app wasn't working. 10/10 Evan AWILLIAMSBURG, VA Nov 18
Chris was very transparent and up fromt about everything. Made every step easy and allowed us to complete tasks dorectly through him when the app wasn't working. 10/10
Rating: 5.0 out of 5.0 from Encompass Thanks for always making yourself available and answering any questions we had! Hannah ENORFOLK, VA Nov 03
Thanks for always making yourself available and answering any questions we had!
Rating: 5.0 out of 5.0 from Encompass Chris's depth of knowledge certainly made our home purchase smooth. Thanks again, H&J Jack RNORFOLK, VA Oct 27
Chris's depth of knowledge certainly made our home purchase smooth. Thanks again, H&J