Financial Peace of Mind

The Progressive Earnings Plan

Atlantic Bay is committed to fostering a Culture of Support. We create innovative ways for you, the Mortgage Banker, to have financial peace of mind over your business with long-term income. With our Progressive Earnings Plan (PEP), you won’t start each month with $0 and could begin every month with a base commission amount and create a more salaried-style income for years to come.

Join the team

Financial Peace of Mind

The Progressive Earnings Plan

Atlantic Bay is committed to fostering a Culture of Support. We create innovative ways for you, the Mortgage Banker, to have financial peace of mind over your business with long-term income. With our Progressive Earnings Plan (PEP), you won’t start each month with $0 and could begin every month with a base commission amount and create a more salaried-style income for years to come.

Join the team

What you need to know.

Creates a residual income stream

Generates a long-term financial planning tool

Yields continual income for 24 months after retirement

Employee in good standing with Atlantic Bay

No minimum production requirements to enroll

Applicable to loans serviced by Atlantic Bay

Why Atlantic Bay?

Since 1996, we’ve built a proven track record on trust. As we’ve grown our footprint to best serve our communities, it’s our customers, team, and mortgage bankers who have made staying true to our core values so effortless.

In everything we do, we hold our relationships, culture, commitment to the community, and credibility as our highest mission.

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Don't just take our word for it.

When you join Atlantic Bay, your happiness, growth potential, and productivity is our number one priority, and we provide a Culture of Support to keep you at the top of your game.


“I truly appreciate that Atlantic Bay is not just looking at the here and now, but also concerned about our future. Each month it is interesting to see the loans that are staying with our portfolio, and being rewarded for that, an extra benefit! Thank you, Atlantic Bay!”

Barbara Bowling

Senior Mortgage Banker, Florida

NMLS #204927


It’s a no brainer. It has relieved so much anxiety for me – related to my pipeline and time management. This is an extremely busy industry, we work long hours, and we often sacrifice time with loved ones. PEP gives me the option to hit the pause button and build a buffer.

Grow your income stream with Atlantic Bay