About Chris
Proudly serving clients across Virginia, Connecticut, Florida and North Carolina.
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Realtors! Announcing Our: Real Estate Realities Masterminds
On 10/21/2026 at 2:00 pm
In a crowded market, doing great work is not always enough. People also need to understand what makes working with you different. Join me for Real Estate Realities: Jumpstart Your 2027 with Lance Pendleton on October 21 at 2 p.m. ET. Lance will share how to: - Create messaging that cuts through industry noise - Build a business around what clients truly need - Deliver an experience people remember and want to refer See you there!
Borrower Testimonials
Great attention to detail. Thanks for everything!
Chris Rice was always available to answer any questions by phone call, text, and email. He was good at keeping us up with anything that needed to be signed and provided. I never felt confused or lost about anything.
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.
Very Professional Loan Officers .
Working with our mortgage loan officer, Chris Rice, was an outstanding experience from start to finish. He was knowledgeable, professional, and always available to answer any questions we had. He kept us informed throughout the entire loan process, explained everything clearly, and made what could have been a stressful experience feel smooth and m...
He did really well.
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
More clear communication
Very helpful and knowledgable, would absolutely recommend
No specific reason.
He was available when I had questions and was able to answer them right
Constant contact and availability
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.
Chris is personable and answered all questions we had throughout the entire process!! Highly reccomend working with chris!
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...
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!
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!
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.
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
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!
very knowledgeable. always available and very hard worker. Helped every step of the way. This guy needs a promotion!
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 ...
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
The team was patient and understanding
- View more testimonials on Experience.com & Zillow.com