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Home » Atlantic Bay & OVM

Atlantic Bay & OVM


With 17 years experience building and managing Atlantic Bay Mortgage Group offices on the Virginia Peninsula, John Baldwin has a vast knowledge and range of experiences spanning the entire mortgage process. Joining Atlantic Bay in 1999, he has helped over 1,000 clients finance their homes through VA, Jumbo, Conventional, 203K, and Fannie May Rehab loans.

Recently transitioning from vice president and branch manager to senior mortgage banker, John Baldwin has had years of structuring deals and helping people finance loans. Friendly and knowledgable, he thinks like his customers and has their best interest at heart, from the meet-and-greet to the follow-up and all the steps in between.

John says, “The first thing I do is ask clients what they are looking for — and then I listen. If you listen effectively, clients will tell you exactly what you need to do to earn their business.” John’s listening skills and ability to build strong relationships allow him to dig deep into the discussion to identify the clients’ needs and advise them. He says, “ I tell my clients, ‘Here’s where I see this going, based on your credit report and what you have told me you want to do.’ I try to give them an idea of what’s going to come so they know the next step and what to expect going forward.”


Rock solid in his approach, Rusty Maness guides borrowers through the mortgage process with genuine care and compassion, always delivering upon his word.

Rusty entered the mortgage industry in 2003 when he was just 21 years old. Working as part of a very successful team, he’s earned the respect of both clients and referral partners. “I really love my job and care about what I do. The true benefit is seeing people obtain that house and meeting their goals,” says Rusty, who joined Atlantic Bay in 2009.

“The first time I meet somebody, I introduce myself, give my background and ask for a little bit of theirs,” says Rusty. Cautioning that buying a house can be stressful, he tells homebuyers that there are going to be times where they’ll need to respond quickly. “I’m here to work for you, but I also need you to work with me. We can do this together. I’m on your team.” Rusty says.

Rusty is always available when customers need him. “I work around my borrowers’ schedules. We just need to talk about it and set it up,” he says. Licensed in Virginia, he helps families in all stages of life and especially loves working with first time home buyers.

Phillip Ferguson MLO – 31437VA, NC-I-172243, Maryland License 34702

Mortgage Loan Originator NMLS# 455310

First I’m a husband and father to two beautiful little girls. I consider Virginia Beach, VA to be my hometown even though I was born in Washington State since I have been here the longest as we moved around a lot (WA, Republic of Panama, GA, AL, CA, VA). I come from a large proud military family as my father was in the Army, my step dad was in the Navy, my 2nd to oldest brother is in the Army and my younger brother was in the Air Force. When I’m not working I love to spend time with family and friends especially during the summer when we all can jump in the pool, play volley ball, or a good game of corn hole. And my favorite football team is the Baltimore Ravens and I love to go on cruises.

I have 14 years of experience in the banking/mortgage industry. I believe in building lasting relationships by exceeding client expectations through outstanding customer service. So whether you are looking to purchase your first house or start building your real estate portfolio I have mortgage products to fit your specific financing needs. I am here to assist you every step of the way.

Favorite quote: Live with intention. Walk to the edge. Listen hard. Practice wellness. Play with abandon. Laugh. Choose with no regret. Appreciate your friends. Continue to learn. Do what you love. Live as if this is all there is. (Mary Anne Radmacher)


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