4.93 rating with 300+ reviews
Your Trusted Mortgage Team
Expert mortgage guidance, clear communication, and personalized support for every homebuyer and investor. Based in Northern Virginia, we proudly serve clients throughout Virginia, Maryland, Washington DC, and across the East Coast.
A Legacy of Mortgage Excellence
With over 20 years in mortgage banking and more than a billion dollars in funded mortgages, John Pyne, EVP and Regional Manager at Atlantic Bay Mortgage Group, has helped clients in every stage of homeownership. From first-time and move-up buyers to investors and homeowners seeking refinance solutions, John brings clarity, confidence, and care to every situation. No two homebuyers are alike, which is why John and The Pyne Team deliver clear communication, personalized strategies, and a stress-free process from start to finish, always available when important decisions need to be made.
- 20+ years of mortgage banking experience.
- Tailored financing solutions for buyers, investors, and current homeowners.
- Over $1 billion in residential mortgages funded.
Our Mortgage Services
At The Pyne Team, we provide a complete range of mortgage solutions designed to make your journey stress-free, transparent, and tailored to your unique needs. Whether you’re buying your first home, refinancing, or exploring investment opportunities, our expertise ensures you get the best possible outcome.
Home Purchase Loans
Secure financing for your dream home with expert guidance and access to competitive rates.
First-Time Buyer Guidance
Step-by-step support to simplify the mortgage process, break down first-time buyer benefits and discounts, and help you feel confident in every decision.
Investment Property Loans
Expand your real estate portfolio with flexible financing options tailored for investors.
Mortgage Refinancing
Lower your monthly payments, shorten your loan term, or tap into your home’s equity with confidence.
Required Disclaimer: For refinances, the total finance charges may be higher over the life of the loan.
Meet The Pyne Team
Buying a home is one of life’s biggest milestones, and we believe you should know the people guiding you through it. The Pyne Team is a family-led mortgage team deeply rooted in Northern Virginia. John and Devin are first cousins who have worked side-by-side for more than a decade helping homebuyers make confident mortgage decisions. John and Dawn call Vienna home, while Devin lives in Arlington, giving our team a firsthand connection to the communities we proudly serve.
We understand that buying a home is personal, and it’s important to know who you’re working with. That’s why we share videos, insights, and behind-the-scenes perspectives across YouTube, LinkedIn, Facebook, and Instagram. Whether you’re buying your first home, refinancing, or planning your next move, our goal is to help you better understand the mortgage process and make informed decisions with confidence.
We Simplify Your Mortgage Journey
Buying or refinancing a home shouldn’t feel confusing or overwhelming. That’s why The Pyne Team takes the complexity out of mortgages with a proven process, clear communication, and strategies designed to help you succeed in a competitive market.
The Old Way (With Other Lenders)
- Confusing process and industry jargon
- Hidden costs and rate surprises
- Offers that don’t stand out
- Limited loan options and slow timelines
The Pyne Team Difference
- Clear Process: A step-by-step roadmap and transparent communication keep everything simple and easy to understand.
- Upfront Transparency: Competitive rates, clear cost breakdowns, and no surprises along the way.
- Stronger Offers: Fully underwritten preapprovals and a trusted reputation give your offer a competitive edge.
- More Options, Faster Closings: A wide range of loan programs tailored to your goals — and a proactive process that allows you to get to the closing table faster.
20+ Years Experience in Mortgage Banking. $1 Billion+ Residential Mortgages Funded. 10 States Licensed Across the East Coast.
How We Solve Mortgage Challenges
Worried about navigating the mortgage process, understanding your options, or making the right decision in a competitive real estate market? You’re not alone. Many buyers and homeowners feel overwhelmed by rates, paperwork, timelines, and the pressure of knowing what they can truly afford.
At The Pyne Team, we make the process feel clearer and more manageable from the start. We take the time to explain your options, build a strategy around your goals, and guide you through each step with consistent communication and practical advice. Whether you’re buying your first home, moving up, refinancing, or investing, our goal is simple: help you move forward with clarity, confidence, and a plan you can trust.
Our Simple Mortgage Process
Getting a mortgage shouldn’t feel overwhelming. At The Pyne Team, we’ve built a clear, step-by-step roadmap that takes you from our first conversation to closing day with confidence. No jargon, no confusion. Just expert guidance, proactive communication, and
a smooth experience from start to finish.
Initial Conversation
We start however you're most comfortable: phone call, video chat, or jumping right into the application. This first step helps us understand your goals and build a plan to get you there
Apply & Share Documents
Next, you’ll complete your application in our secure online portal. It’s helpful to have your income and asset information handy, but we also offer a true digital mortgage experience. This means if you can link your payroll and banking information, you might not need to provide any physical documents at all. This step gives us everything we need to get you fully approved faster.
Fully Underwritten Pre-Approval
What sets us apart is that we fully underwrite your loan right from the beginning. This means your file is thoroughly reviewed up front, giving you a stronger offer and often a quicker path to closing. It’s our way of making the process as smooth and stress-free as possible for you.
Home Search & Offer Support
As you search for your new home, we’re with you every step of the way. We provide clear and comprehensive loan scenario presentations so you can see your options at a glance, answer all your financing questions, and help you strategize to make your offer as competitive as possible. Our goal is to make sure you’re shopping with confidence and ready to move quickly when you find the right property.
Under Contract
Once your offer is accepted, we lock in your interest rate, order the appraisal, and finalize any remaining details. Because so much of the work is already done upfront, this stage is smooth and stress-free. Our team will guide you through each step and keep you and your agent fully updated as we move toward the finish line.
Final Review & Clear to Close
Now we just cross the t’s and dot the i’s. You’ll receive clear updates, and we’ll make sure you feel confident and fully prepared for settlement.
Closing Day & Celebrate
It’s the moment you’ve been waiting for! On closing day, you’ll sign the final paperwork and receive the keys to your new home. Time to celebrate! But our relationship doesn’t end there. You can always count on us for guidance, support, and mortgage advice whenever you need it.
Meet the Team
Meet the dedicated professionals behind The Pyne Team. With decades of combined experience, we’re here to guide you through every step of the mortgage process with clarity, care, and confidence.
John Pyne
EVP, Regional Manager
Devin O'Reilly
Mortgage Banker
Dawn Pyne
Brand Manager
Kelli List
Mortgage Banker Assistant
Lara Favella
Processor
What Our Clients Say
Your mortgage experience should feel personal, transparent, and stress-free. But don’t just take our word for it — hear from the homeowners and partners who’ve trusted The Pyne Team.
Learn More with Our Video Library
Get answers to your biggest homebuying and refinancing questions directly from The Pyne Team. We regularly share videos covering the mortgage process, housing market trends, and common questions we hear from clients every day. Explore the videos below, or visit our YouTube channel for more practical tips and insights.