MattEarley@atlanticbay.com | (919) 348-8416
Matt Earley Photo

Matt Earley

Mortgage Banker · NMLS #2093275, NC License I-198236

57 clients rated their experience. Here’s every word.

Here’s what buyers, homeowners, and agent partners say about working with us.

4.98
★★★★★57 reviews · 98.2% five-star
★★★★★Google ↗

We worked with Matt twice now, to purchase two homes in the area. Both times he has been great to work with. He was good-natured, easily reachable, and there were a couple hiccups near the end that he worked extra to get dealt with. We appreciated his willingness to help us no matter what we needed. Great guy to work with!

Amanda NorthrupJun 2026
★★★★★Google ↗

Matt was the perfect person to have on our team. He was incredibly helpful throughout the entire process. Since we were buying a second home from out of state, we felt a little unsure about the rules and procedures, but Matt thoroughly explained everything from start to finish and made it all much easier to navigate. He was also extremely responsive to all of my random phone calls, emails, and text messages, which we really appreciated. Matt is clearly an expert in his field, and Michelle and I truly enjoyed working with him. His knowledge, professionalism, and personality are tremendous assets.

Michael SwartzJun 2026
★★★★★Google ↗

"Working with Matt Earley at Atlantic Bay was an absolute pleasure. From day one, Matt stood out with exceptional communication skills. He kept my client and I informed every step of the way, patiently answered questions, and explained complex details to my out of state client in a way that was easy to understand. Thanks to his proactive approach, we were able to close right on schedule without any last-minute stress. I highly recommend Matt to anyone looking for a dedicated and reliable mortgage broker!"

Joe HugginsJun 2026
★★★★★Verified Client

I would like to take this opportunity to recommend Matt Earley and Atlantic Bay Mortgage for your next real estate purchase.

We had a fairly complicated home purchase in North Carolina. Not only were we purchasing a second home, but we were doing so while living in New York. In addition, the property was a short sale, which meant we were able to purchase it just before it went into foreclosure.

Because we were out of state, many of our interactions and transactions had to be handled through email and phone calls. We also had numerous questions about the home-buying process in North Carolina, which differs significantly from New York.

Throughout the entire process, Matt was responsive, knowledgeable, and professional. He answered every email, text message, and phone call promptly and always provided the information and guidance we needed. His expertise and dedication were instrumental in helping us successfully complete the purchase.

I highly recommend Matt Earley and Atlantic Bay Mortgage to anyone looking for a mortgage professional who is committed to providing exceptional service and support throughout the home-buying process.

Michael SwartzJun 2026
★★★★★Google ↗

Matt was very helpful and informative. He was always available for our questions and made the process easy.

David CoxApr 2026
★★★★★Verified Client

Working with Matt was great. He was top notch and stayed on top of every part of our mortgage process. He keepect in touch with us all the time and then some. You can not go wrong using his expertise.

Thomas BorkowskiMar 2026
★★★★★Google ↗

Matt was wonderful to work with. He answered all our questions and helped walk us through the process.

Michelle BorkowskiMar 2026
★★★★★Google ↗

Matt is the best! He knows his stuff, genuinely cares about his clients, and gives awesome advice when it comes to buying a home or any other questions you may have. He helped my aunt with her new home and even though she had to use the builder lender he was still there for her every step of the way. Not only is he here to do his job but he is also a great friend. My family and I are so grateful to know Matt and wouldn't recommend anyone else!

Brittany ReinertFeb 2026
★★★★★Google ↗

Matt is knowledgeable, reliable, and really cares about his clients. He always finds a way to get the job done and communicates everything in a timely manner. Highly recommend.

Ryan CunninghamJan 2026
★★★★★Google ↗

Matt was amazing! Great guy and lots of knowledge. I fully recommend him to anyone!!!

Gregory ParkerJul 2025
★★★★★Google ↗

We were really lucky to meet Matt in our process of obtaining a mortgage. He was so easy to work with: Organized, thorough, personable and a great communicator. We have nothing but great things to say about him.

MALMay 2025
★★★★★Google ↗

Matt was wonderful. He helped me every step of the process. From getting pre-approved to closing day, he was attentive and ready to answer any question I had. As I first time home buyer, I couldn’t have asked for a better person to work with. If you’re looking to buy a home, even if it’s not your first time, don’t look any further. Contact Matt!

Oscar RodriguezMay 2025
★★★★★Verified Client

Matt was incredibly diligent throughout the whole process, going way above and beyond at every turn to help the process along. We didn’t have the easiest experience with the sellers, but I never had to worry with Matt to get my back.

Markus ElkenMay 2025
★★★★★Google ↗

Matt Earley did an excellent job all the way around. I would highly recommend him to any of my friends and family. He always addressed my questions and concerns, and went out of his way to make the loan process as painless as possible.

John TaylorApr 2025
★★★★★Google ↗

Matt Earley and Atlantic Bat Mortgage came highly recommended and I understand why. Matt walked us through each step, provided recommendations as needed, keep us thoroughly informed. We zoomed through final closing without any problems. Highly recommend!

Patricia GarrenDec 2024
★★★★★Google ↗

Hands down the best mortgage company out there! Special thanks to Matt Early who was with us every step of the way and always available when we reached out or had questions!!!! Thanks again Matt, we are loving our new home!!!!

Roy VigneriDec 2024
★★★★★Google ↗

I was referred to Matt through my realtor. He made the entire process with my real estate transaction so easy. He kept me involved and informed all the way through the lender process. I would recommend Matt for all your lender needs.

Thom GirardotDec 2024
★★★★★Google ↗

Excellent team! They made the process easy. Matt especially sent us videos explaining everything in a way someone who doesn’t deal with mortgages regularly would understand.

Johnny FoustNov 2024
★★★★★Google ↗

Matt is amazing! He is just a pleasure to work with. Extremely efficient and responsive. Best lending experience I have ever had.

Karen LagonellNov 2024
★★★★★Google ↗

Excellent team! They make sure you understand and feel supported during every step of the process.

Christy McDonoughNov 2024
★★★★★Google ↗

Matt is a top notch professional. Extremely knowledgeable in every step of the mortgage process. He takes the time to explain everything step up front and then answer any questions that may remain after. He is one of the most accessible and responsive business professionals I have worked with. Would highly recommend Matt to anyone! Thanks for our your help and support buying our first home, Matt!

Bryan TraceySep 2024
★★★★★Google ↗

As a first time home buyer, there was a lot of new information to absorb. Matt went above and beyond to ensure we understood the process and our options. He was available to answer our questions, day and night. Right up to being next to us at the closing table, Matt was there every step of the way. We are extremely grateful that our first home buying experience was guided by him and his team of amazing people.

Shawnee JustusSep 2024
★★★★★Verified Client

I can’t express enough how helpful through my process of buying my first home! Will always tell people to go through them.

Dallas colemanAug 2024
★★★★★Verified Client

Matt was very friendly, attentive, and professional. This was my first time purchasing a home and he helped make the whole process a positive one. I would definitely recommend him to a friend or any first time home buyer.

Emily HorrellAug 2024
★★★★★Verified Client

Yes!

JillJul 2024
★★★★★Google ↗

Matt was so helpful and wonderful to work with! Thanks so much for all of your help, Matt :)

Heidi BlackwellMar 2024
★★★★★Verified Client

Matt was so helpful and answered all of our questions that we had during the home buying process! Very knowledgeable and a pleasure to work with!

Jake ApplingMar 2024
★★★★★Verified Client

I recently had an amazing experience working with Matt on my new home. He made the process easy and went above and beyond to explain and answer all my questions. Highly recommend!!!

Kim B.Mar 2024
★★★★★Google ↗

I recently had an amazing experience working with Matt Early on my new home. He made the process easy and went above and beyond to explain and answer all my questions. Highly recommend Matt at Atlantic Bay Mortgage Group!

Kimberly BadlerMar 2024
★★★★★Google ↗

Matt was easy to work with, did what he said, and was able to get me to my short-closing on time. We would absolutely recommend Matt to a friend.

Jeffrey KubichanJan 2024
★★★★★Google ↗

I could not have been more satisfied with the services Matt provided. Not only was he extremely professional as well as very thorough, but he communicated with us throughout the process extremely well. I was so impressed with his attention to detail and drive to give us the best value. From beginning to end he made sure every item was covered. With all of that aside, he was just a pleasure to talk to and get to know. Such a genuine person. I am elated with my experience using Matt and will without a doubt use him in all my future home purchases.

Travis MillerJan 2024
★★★★★Verified Client

We LUCKED out! We just moved to NC and a realtor suggested him and he is GREAT 😊 I highly recommend him. Easiest financing and closing we have ever done! He’s super thorough and communicative. Also very friendly!!! Can’t recommend him enough! Thanks Matt!

Jaime AndersenJan 2024
★★★★★Verified Client

Matt, and the team at Atlantic Bay Mortgage, did a phenomenal job in helping us secure our home. Matt was incredibly detailed with helping us feel informed about our purchase every step of the way. Anytime a relevant item would pop up, Matt would be the first to get on the phone and call us to ensure we knew exactly what was going on. Truly, if we didn’t have this team’s backing, we likely would have never have secured our forever home.

Brin HallSep 2023
★★★★★Verified Client

Matt and his team executed the entire process flawlessly. Matt stayed on top of changing conditions, market fluctuations and timing adjustments like the professional that he is. Could not recommend him more!

Drew NashmyJul 2023
★★★★★Verified Client

Matt and the whole atlantic bay team was fantastic to deal with. The process was so smooth, fast, and easy to understand as a first time home buyer. The responsiveness was fantastic and I would recommend Matt and his team to anybody.

Drew KiriloffJun 2023
★★★★★Verified Client

Matt was great. Friendly and knowledgeable. We are happily in our new home. Thanks to Matt and his team.

TerrenceFeb 2023
★★★★★Verified Client

Matt was readily available and knowledgeable. I would recommend him

Rachel WillisFeb 2023
★★★★★Google ↗

Working with Matt and his team was an excellent experience and I can't recommend this team enough. Matt was knowledgable, responsive, and helped me navigate every stage with both patience and proactiveness laying out all my options from first conversation through to after closing. His network and partners were all aligned to ensure the smoothest possible process. Thank you for helping to make this purchase a reality!

Natalia MooseFeb 2023
★★★★★Google ↗

I couldn’t recommend this guy enough. He is very knowledgeable and can answer any questions you may have. He did everything he could to ensure that I had a good experience. I look forward to working with him again soon. Thanks Matt!!!

Jeff DelashawOct 2022
★★★★★Verified Client

Matt was wonderful to work with!

A. PoplinFeb 2022
★★★★☆Verified Client

Matt Earley was great! He was very professional and responsive. The lender they choose for us offered a great rate but their requirements were extreme. Over the course of the qualification they asked for more than 40 different items of documentation.

Paul BolzFeb 2022
★★★★★Verified Client

Working with Matt is like working with a dear friend he takes the time to explain things and offers daily service in an effort to make sure you are appreciated.

Matt is one of the friendliest and professional people I know I recommend his services without hesitation

Jason MinnicozziJan 2022
★★★★★Verified Client

Matt was very easy to work with through the refinance process. He was very knowledgeable. I strongly suggest reaching out to Matt to refinance or apply for a new mortgage.

Emanuel EvansNov 2021
★★★★★Verified Client

Excellent work.

K. TuckerNov 2021
★★★★★Google ↗

Of all the home purchases we have completed, this one was the best. Matt and everyone we worked with on his team were professional, courteous and attentive to every detail during the process. Communication was awesome! My wife and I highly recommend Trust Mortgage and look forward to future purchased. Thank you all in a big way!

Monster Mash 007Oct 2021
★★★★★Google ↗

Working with Matt and Trust Mortgage was a good experience. Very professional, prompt and made me feel he was working to get the best option for me to go with. I would recommend Matt and Trust Mortgage without any hesitation!

Chris MerrittOct 2021
★★★★★Verified Client

Matt and his team were excellent. It didn't matter what day or time, they would respond right away. They make you feel like friends and family.

Stephanie COct 2021
★★★★★Verified Client

Matt was a joy to work with. I never felt pressure as he guided me through the document process. He was so helpful. He got things done and was upfront about everything. Everything he said and did was spot on!

Suzanne SoutoSep 2021
★★★★★Verified Client

Great Experience working with Matt and his team! I can not say enough good things but he made it very easy, simple, fast, friendly, insightful, and very helpful to understand everything along the way and the process and why. If I ever decide to RIFI in the future I we be surely using Matt and the crew again at Trust Mortgage. Thanks for the trouble free experience guys! Highly Recommend!!!

ShawnJul 2021
★★★★★Verified Client

It was great working with Matt and the Trust Mortgage team. They made it easy and convenient with good communication throughout the whole process. Got a competitive rate, which was better than a couple other companies. I would definitely refinance again with Matt and the team!

Tim LewisJul 2021
★★★★★Google ↗

Matt was honest, quick to respond and incredibly professional. Would recommend him 100 times over!

Sharon BeckerMay 2021