Emily Costin

Emily Costin

Mortgage Banker

NMLS# 1049056 | Licensed in NC

Loan programs may change at any time with or without notice. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Housing Lender. Located at 600 Lynnhaven Parkway Suite 100 Virginia Beach, VA 23452.

About Me

My mortgage journey actually began in the wild world of real estate during my college years at UNC-Wilmington. I fell head over heels with the idea of being involved when clients made one of life's biggest decisions—buying a home. Fast forward four years to 2009 - that’s when I was recruited into the mortgage world. Leveraging my real estate expertise, I contributed to a top-producing mortgage team by providing repeat referrals throughout my almost 15 years’ experience in loan processing. And for that, I’m grateful.

Now, as a trusted Mortgage Banker with Mullinix Mortgage, I understand the moving parts and information involved in the home loan process. Whether you are a first-time homebuyer, seasoned investor, fall somewhere in between, or want to learn more about refinancing, I prioritize communication, transparency, and your comfort during the mortgage process.

In my spare time, I’m with my husband and love of my life, Matt, a local real estate expert with Nest Realty. Together we navigate the wild ride of parenting our five-year-old blonde tornado, Kendall. Side note, dessert is my kryptonite; I’m defenseless against the temptation of anything sweet. And I’m a travel enthusiast. My “happy place” is creating unforgettable memories with my family as we explore different cities.

I understand that no two homebuyers are alike. That’s why I find the best financing situations to fit your unique needs.

Emily was so incredibly helpful. She went above and beyond to make our move as smooth as possible!

Emily H

Experience

Emily was an absolute pleasure to work with. Her communication was consistent and we always felt like we could get a hold of her at any time with questions. She made the buying process extremely easy with the loan approval from start to finish. Thank you, Emily for a great overall experience.

Joshua W

Experience

Emily guided us through step by step and made a daunting process easy.

Donna D

Experience

Our financing was flawless with Emily. She was there every step of the way and made it easy for us to finally realize our dream of owning coastal property. We would highly recommend her and Mullinix mortgage group.

Ellen T

Experience

Emily made my home-buying experience SO SIMPLE. She was always a text, email, or call away if I had any questions, and she was SO HELPFUL and informative the entire time. I had a lot of struggles and back and forth with the buying/selling process and she was always there to help. She helped me qualify for the loan and she was an absolute pleasure to work with, always making sure I wasn't getting myself into a rut financially and looking out for my best interest. Genuinely appreciate Emily and everything she did, including showing up at closing with an insanely personal gift that I will NEVER forget!

Allison E

Experience

Emily was on top of it from the beginning. She made sure we were comfortable with everyrthing and gave us options that I know most lenders wouldn't have done. The communication was top notch. I couldn't have asked for a better broker for our investment transaction.

Ann G

Experience

The whole process went very smooth! I didn't worry about a thing. For this being my first time home purchase, the bar was set very high!

Makenzie B

Experience

See how much you can afford.

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*This calculator is made available to you as an informational tool. All examples are hypothetical and are for illustrative purposes only. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on individual scenarios, credit scores and market conditions. Atlantic Bay Mortgage Group does not guarantee the applicability of the above terms in regards to your individual circumstances. This information is not intended to replace the advice of a tax or financial professional.

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