Partner Spotlight – Atlantic Bay Mortgage Group
By Charlotte Top Producers |Apr 5, 2022

Making the Mortgage Process as Simple and Stress-Free as Possible

Mike Ray of Atlantic Bay Mortgage Group

Written by Heather Pluard

Photos by Kelly Klemmensen Photography

“In an ultra-competitive real estate market, surrounding yourself with partners who are experienced and willing to drop everything to help you and your client succeed puts you one step ahead of your competition.” These are the words that Senior Mortgage Banker Michael Ray lives by, and they set him apart in the industry.

Michael launched his career in lending in 2008, right as the great recession was happening. Since then, he has seen the mortgage pendulum swing from one end to the other, with guidelines and requirements changing almost daily. Over the years, he also noticed how rates affect buyer behavior, so he developed strategies to help buyers achieve their goals. Today, clients and REALTORS® alike view Michael as a knowledgeable resource and trusted lender.

“I strive to make the mortgage process as simple and stress-free as possible,” Michael says. “I stay on top of all the changes, and my vast experience has taught me that communication is the most important part of every transaction. That’s why I set expectations upfront and prioritize communication throughout the entire process. I truly enjoy getting to know my clients, listening to their needs, and putting all the puzzle pieces together to help them be in the best possible financial situation.”

A Fort Worth, Texas, native, Michael attended UNC Wilmington, where he earned a B.S. in Finance and met his wife, Emily. After graduation, BB&T (now Truist) hired Michael into a Leadership Development Program, where he learned many aspects of consumer banking services. That’s when Michael chose to focus on the mortgage side of finance, a decision that ultimately brought the couple to Charlotte.

“Mortgages are not a one-size-fits-all product,” Michael says. “I educate, advise, and partner with clients to help them achieve their goal of homeownership. And the outcome is very rewarding! I value each buyer’s experience, giving them the white glove treatment from our initial conversation through closing. I also enjoy seeing the success of my referral partners as they grow and further establish themselves as premier agents in the Charlotte region. A friendly, knowledgeable, and efficient mortgage banker is an asset, and assembling an effective team around your clients is key to an effortless transaction.”

In addition to being licensed in North Carolina, Michael is also licensed and can assist with mortgage lending in South Carolina, Georgia, and Virginia. In 2020, Michael began working at Atlantic Bay Mortgage Group where he continues to provide the same expert-level service that he has for his whole career. “My referral partners constantly feel supported, informed, and confident that the lending process will go smoothly when they work with me,” he says. “I’m honored to be their trusted resource, and I pride myself on being reliable, responsive, and professional in every communication, every single day. I’m also thrilled to be with Atlantic Bay Mortgage Group. We provide mortgage financing for all residential real estate transactions, including purchase, refinance, and construction/permanent loans, and our company is known for closing on time without hassle.”

When he isn’t helping clients and referral partners, Michael loves being with Emily and their 7-year-old daughter, Finley, who likes everything to do with animals and has discovered her passion for horseback riding. The family enjoys trying new restaurants, going to sporting events, and spending time together with their two doodles, Beau and Cooper. Michael is also a fishing fanatic.

“Put a fly rod in my hand, and I will be happy,” he smiles. “I also enjoy driving my old Porsche and going to car shows. Finley has recently taken an interest in cars and likes to come with me, which makes the experience even more special. But honestly, helping people make the right financial decisions brings me joy, too. The mortgage industry has been a rollercoaster these past 14 years, but I love what I do!”

To learn more, please visit or call (704) 724-9997.

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