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    Tony Garshnick

    @tonygarshnick

    Producing Sales Manager/Certified Mortgage Planner

    Atlantic Bay Mortgage Group

    Mortgage Loan Officer

    Waxhaw, NC
    1Articles

    About Tony

    Since 1996, we’ve been serving our communities with great loan products, customer service, and expertise. We’re a trusted lender and have stayed true to our core values throughout our more than 25 years. We’ll continue to hold our relationships, culture, commitment to the community, and credibility as our highest mission.

    Atlantic Bay Mortgage Group
    Producing Sales Manager/Certified Mortgage Planner
    Location
    Waxhaw, NC
    Member since
    July 2026

    Tony's Articles

    The 20% Down Payment Myth: Buying a Home in 2026

    Home Buying

    The 20% Down Payment Myth: Buying a Home in 2026

    Think you need 20% down to buy a home in 2026? The cost of waiting for that sum often exceeds the cost of PMI. See the real minimums and NC assistance programs.

    Oct 8, 2026·9 min read·10
    Home Buying
    Down Payment

    Showing 1 of 1 articles

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