Ann T. Arnesen (formerly Patroni), Sr. Mortgage Banker, NMLS #453374 (Atlantic Bay Mortgage Group) Mortgage and Lending



Ann T. Arnesen (formerly Patroni)
Sr. Mortgage Banker, NMLS #453374
location_on Virginia Beach, VA — Atlantic Bay Mortgage Group
NMLS 453374
Get to Know Ann T. Arnesen (formerly Patroni)


Working with borrowers from all spectrums of life, from young couples starting their families to single moms to investors, Ann Arnesen has guided her clients through their situations as they purchased their homes. She constantly reminds people that she is here for them, that she is a resource they can count on.

If you ask her what she is most proud of professionally, she will quickly tell you, “I am most proud of the families I have helped. I tell them all the time our relationship doesn’t end here. Please check in with me. I get calls down the line. ‘Hey, I just got married. Hey, I just had a baby.’ I’ve been with them through all walks of their lives. I am vested in my clients and they realize that I am on their side. It fulfills me.”

Recognized as a Five Star Mortgage Professional four years in a row, much of her business is in Conventional loans for move-up buyers and investors and FHA loans for families looking for low-down payments and flexible credit guidelines. She also helps military families get 100 percent financing with VA loans. In addition, Ann helps investors purchase with Jumbo loans. Ann is passionate about empowering other women and serves on the Board for the Hampton Roads Chapter of the Women’s Council of Realtors. The chapter provides information to women on such topics as self defense and marketing on a budget.


Licensed in Virginia and North Carolina.


2015 Five Start Mortgage Professional Award as seen in Coastal Virginia Magazine

2014 Five Star Mortgage Professional Award as seen in Coastal Virginia Magazine

2013 Five Star Mortgage Professional Award as seen in Hampton Roads Magazine

2012 Five Star Mortgage Professional Award as seen in Hampton Roads Magazine

D. Evans
"Ann was very knowledgeable throughout the entire process and answered all my questions entirely. She always handled all matters in a very timely manner. She is very professional."
E. Hunter
"Our experience was exceptional. The Atlantic Bay team made the home buying process very straight forward, manageable, and efficient. I would recommend Atlantic Bay to anyone. Ann was an angel providing a wealth of info and support and guidance throughout the process."
F. Zapata
"Ann was wonderful to deal with and if we need a loan in the future, she will be our first call."
C. Boyd
"Ann was always there fro me. She returned calls immediately and made the process very easy."
Mr. and Mrs. Mariano
"Ann was extremely professional with us. She got our mortgage arranged within a 3-week period of time with no drama. Very different from our past experiences."
J. Johnson
"Ann Arnesen was heaven sent. She was great at answering all of my questions as well as always made herself readily available. She made me feel comfortable about refinancing. I would recommend her to all of my friends."
J. Jones
"The experience was awesome and Ann Arnesen was the best."
A. Rassool
"Ann did a wonderful job to work with us and help us purchase our home when Bank Of America could not. We look forward to working with her and we will take any future financing/mortgage needs to her."
G. Williams
"Ann Arnesen is amazing!!!!! By far the best loan officer I have ever had!"
S. Baird
"I wanted to say thank you for a quick, easy, painless refi. Last year going through the process with W_lls F_rgo and U_ _A was a nightmare that I’m still not over. I appreciate your professionalism and your genuine concern on our behalf, I cannot thank you enough. . . It would be a pleasure to work with you again. You are truly a good person."
M. Shaw, William E. Wood and Associates
" . . . Thanks for all your help...I am impressed at how seamless you have made this transaction. I am very grateful as are my clients because I was long overdue for a hassle free, "on time" closing! I am generally a listing agent so we are usually at the mercy of the competency of the buyer's lender and settlement impressed us big time!"
M. Magness
"The experience could not be improved on. Everyone was great and closing went smooth. Ann Patroni kept us informed and contacted us frequently to help us through the process."
K. Asbury
"Ann Patroni is phenomenal. I have sent several coworkers and friends to her and they all agree, she is the best mortgage banker they have ever worked with."
C. Aldridge
"Ann Patroni absolutely went out of her way to make sure that the process of refinancing my home mortgage was smooth and very easy. She should be commended for her professionalism and fantastic knowledge of lending."
W. Frank
" . . . Ann Patroni was excellent, but then, that's why I went back to her for the refinance. She did a great job the first time."
G. Golden
"I would give Ann Patroni the highest marks. She made the entire process clear and efficient. She was very good about phoning or promptly answering emails. She always knew what was going on and we felt that we were treated as valued customers."
C. Palmer
"Ann Patroni was fantastic to work with . . . She is so responsive and extremely honest and brilliant."
L. Komornik
"Very happy with the service of my representative, Ann Patroni. She was efficient, knowledgeable, and friendly! . . . "
J. Raab
"I thought the entire process was so easy and great! Ann was very nice from the beginning. She wasn't pushy at all and very friendly. I felt very comfortable to move forward with it because of her. After I said yes, she made it even better. Everything she said would happen did and she made sure I understood everything. I plan to have my next loan with her for sure . . . "
C. Coburn
"Great job by Ms. Ann Patroni who did an excellent job of answering questions and quickly responding to my requests for information."
J.P. Guilbaud
"Ann Patroni was great and followed up very well!"
M. Bishirjian
"Ann Patroni was perfect! She made refinancing absolutely pain free!"
A. Scher
"Ann Patroni was WONDERFUL in helping us to refinance our home. She was always available for questions and was able to explain things simply when there was a question . . . I can not say enough about how much Ann helped us and continued to give us regular updates . . ."
D. Belcher
"Everything was very well done and the young lady who helped us was awesome and she knew what she was doing."
R. Early
"During my 40 plus years in banking, I have never worked with a more professional, knowledgeable, and personable individual. I cannot say enough good about her."

My top priority is doing right by my clients!