Loan Officer

Jay DeCarlo Branch Manager

NMLS #126902

(703) 615-3335

Division Production Manager/Retail for a privately held Retail Mortgage Banking Correspondent Lender. Responsible for growing Atlantic Home Loan Division production and for creating new market opportunities by recruiting Retail Branches, Loan Officer Production Teams, and Operation Staff in our current East Coast footprint and in new markets throughout the country. Strategically migrated Broker Owner Branches to Retail Branches by managing all phases of the transition including, licensing, system training, compliance, pricing, compensation, and financial reporting. Successfully integrated new Sales teams, Loan Officers, and Ops staff by coordinating their transition to AHL. Mortgage experience spans over 30 years evenly divided between Retail and Wholesale Channels. Professional Experience includes: Loan Officer, Branch Manager, Regional Manager, Division Manager, and National Production Manager. Business philosophy is built on building strong business relationships with employees and customers while leveraging a national network of business associates, colleagues, and mortgage industry friends.

Your Journey Begins With Us...

We look forward to putting our experience to work for you!

We strive to offer the best mortgage products and services in the industry. By combining our online services with a local mortgage consultant who lives right in your neighborhood, we’re confident that you will receive the personal attention that you deserve. Submit a request for information, and your local mortgage consultant will contact you right away to review your information and advise you on the best loan programs and rates available to meet your financial objectives.

First Time Homebuyer

Finding a mortgage that's right for you should be easy. But there are many programs to choose from and many ways to structure a loan. Review our website to get the basics and then give us a call. We're with you every step of the way on this important investment. READ MORE

Buying a Home

Buying a home can be a complex process, but it doesn't have to be hard. With a little preparation up front, you can save a lot of time and hassle. Learn more about the documentation you need for the loan process and costs involved. And, please don't hesitate to call, so we can answer any questions you may have. READ MORE


People refinance for many reasons: to lower their interest rate, to build equity faster, or to use the equity already established in their home. Regardless of your reasons for wanting to refinance your existing mortgage, we can help you make a decision that works best for you. READ MORE