Buying Real Estate in Wilmington

Our Preferred Lender - Atlantic Bay

We are fortunate to have four amazing mortgage bankers to assist our Spot clients take the next step in homeownership!  Please take some time to get to know our lending partners over at Atlantic Bay Mortgage Group!

Ryan Bruff

Sr. Mortgage Banker

NMLS #907479, Licensed in NC & SC

A tenacious problem solver, Ryan Bruff doesn’t stop until he finds a clear path to the closing table for his clients.

Ryan, who started his mortgage career in 2012, listens closely to his clients’ needs and then guides them through the available programs. “A lot of homebuyers come in with incorrect assumptions or hearsay that may be misleading. I leave nothing to chance. I make sure they know what to expect right up to closing. I want them to leave with 100% confidence and completely comfortable with everything we’re doing,” says Ryan.

While Ryan helps all types of homebuyers, he specializes in helping members of the military and first time homebuyers. He’s dedicated to simplifying the home buying process and making it easier for his clients. “At the end of the day, I just want to help people and find solutions. I want to celebrate their new home with them,” says Ryan.  Visit his website!

David Macaione

Sr. Mortgage Banker

NMLS #117378, Licensed in NC

David Macaione’s passion is guiding people through the largest transaction most people make in a lifetime. He has helped over 3,500 families in his 33-year career by putting an emphasis on the experience, not the transaction.

His personal mission is to maintain a deep understanding of loan program guidelines so he can best serve his clients. David enjoys helping families to the closing table who were turned down elsewhere, and places particular emphasis on empowering veterans.

“Because of their service, for what they’ve done for this country, I have a special place in my heart for veterans,” David says. “They deserve to use their benefit, and I enjoy helping them navigate a loan program typically shrouded in confusion.”

David grew up in Alaska and moved to North Carolina in 1985 to begin his mortgage career. He enjoys cooking, sports, and water-oriented activities. David spends his time with his significant other Karen, his four children, and three grandchildren.  Visit his website!

Rob Theoharis

Producing Sales Manager

NMLS #5379, Licensed in NC

Rob Theoharis began his career in the mortgage industry in 1999 and has enjoyed helping thousands of people achieve their dream of homeownership. He joins Atlantic Bay Mortgage Group® with experience as a mortgage banker, underwriter, closer, and funder.

“My passion for helping people reach homeownership drives me,” Rob said. “I make myself available 24/7 to ensure my clients have a stress-free, pleasant experience.”

Rob keeps himself current on industry product offerings and uses his depth of experience to ensure his clients obtain the best loan for their financial goals. His philosophy is simple: “If you love what you do, it’s not difficult to be successful.”

Originally from New York, Rob enjoys spending time with his dogs, Bronx and Brooklyn, boating, and going to the gym. Visit his website!