An Educated Path to Owning Your Home with Tony Garshnick

Tony Garshnick, senior mortgage planner at Atlantic Bay Mortgage Group

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Whether you are a long time homeowner, or a first-time buyer, pursuing a home loan is always a serious endeavor. Considering the magnitude of such an investment, there is hardly a better time to consult with a professional that can guide you through the process. For buyers in the Tri-W area, that professional is Tony Garshnick of Atlantic Bay Mortgage Group. 

As a loan officer and senior mortgage planner, Garshnick’s goal is to help clients understand their full financial picture, and make an educated decision when considering their home loan options. He aims to help clients grow, manage and protect their net worth through the responsible purchase of real estate. 

With more than 18 years in the business, Garshnick understands the intricacies of the mortgage industry, and brings a professional expertise to an otherwise overwhelming process. The client’s financial interest and well being are at the heart of Garshnick’s approach. Most banks, he said, are going to provide an approval for the maximum amount that you can afford. This, he said, is not always the best way to purchase a home.

Sometimes, he said, banks will qualify an applicant for more than they were intending to pay. Once a potential buyer sees what the bank approves them for, he said, emotions begin to come into play, and buyers can get into hot water making payments that exceed their budget.

Garshnick’s approach aims to alleviate these concerns by assessing a buyer’s finances with care, and on an individual basis. He encourages clients to make a careful budget, to know exactly how much money is coming in and going out, and to be certain about the amount of money that is allocated to housing. Garshnick aims to make sure, he said, that clients can comfortably make their payments beyond a shadow of a doubt. 

With more than 14 years living in the Tri-W area, Tony Garshnick has made the Waxhaw community his home and his priority. As vice president of the Waxhaw Business Association, member of the Rotary Club of Waxhaw-Weddington, and member of the Union County Chamber of Commerce, Garshnick’s work and involvement in the Tri-W area is important and impactful. He is proud to be a participant in the Homes for Heroes program, helping to provide savings to Tri-W area firefighters, ems professionals and law enforcement, active, reserve and veteran military personnel, healthcare professionals and teachers. 

For more information regarding your future home loan, call Tony Garshnick at (704) 778-6205, or visit

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