Contact Vanessa Now!

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Atlantic Home Capital

Residential | Commercial | Investment

Mortgage Professionals

Hi I'm Vanessa,

Currently a Senior Loan Officer with Atlantic Home Capital Since 2008.

My team and I have a respected track record in the industry and, in 2021, we closed more than $110 Million in residential mortgages which resulted in more than 300 closings! My team is fluent in both English and Spanish.

Currently licensed in the following states: NY, NJ, CT, FL, TN & Sweet Home ALABAMA!

Born and raised on Long Island, I enjoy quality time with family and friends.

Give me a call! 631-672-4113.

Vanessa Thatcher

Contact Me Now

© 2022, Atlantic Home Capital. All Rights Reserved.

Vanessa's Team:
Patricia Ocampo

Rosario Colachagua

Summayya Bueno

Julia Dubon


Patricia Ocampo is a highly skilled and trusted Loan Officer for Atlantic Home Capital.

Patricia is fluent in Spanish and English, is a valuable and key member of Vanessa Thatcher’s team and has a respected track record for delivering timely closings. 

Loan Officer/Processor

Atlantic Home Capital

Senior Loan Officer

Atlantic Home Capital

Julia has strong organizational and time management skills to ensure loans are submitted and closed in a timely manner.

Her communication with the people she assists is focused on providing the best customer service possible to help them achieve their dream of homeownership.

E Mail Vanessa Here

This material is not from HUD or FHA and has not been approved by HUD or a government agency. Atlantic Home Capital, Corp. does not make any mortgage loan commitments or fund any mortgage loans. All loans arranged through a third-party provider. Licensed mortgage broker in the states of AL, CT, FL, MD And TN. Registered mortgage broker with the New York State Department of Financial Services. Licensed Mortgage Broker by the New Jersey Department of Banking & Insurance. Licensed mortgage lender in the state of MD.

Purchase and Refinances

NMLS# 41404

Senior Loan Processor

Atlantic Home Capital

Aaliyah Harris

WHAT IS A CONVENTIONAL LOAN?

Conventional mortgage loans are loans that any government agency doesn’t back up. They can be categorized into two; conforming and non-conforming loans. The major difference between the two categories is that conforming conventional mortgage loans follow certain rules set by the Federal Home Loan Mortgage Corporation (Freddie Mac) and the Federal National Mortgage Association (Fannie Mae). While on the other hand, non-conforming conventional loans are much more flexible. 

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Florida's Premiere Mortgage Broker


Conventional mortgage loans are loans that any government agency doesn’t back up. They can be categorized into two; conforming and non-conforming loans. The major difference between the two categories is that conforming conventional mortgage loans follow certain rules set by the Federal Home Loan Mortgage Corporation (Freddie Mac) and the Federal National Mortgage Association (Fannie Mae). While on the other hand, non-conforming conventional loans are much more flexible.

WHAT IS AN FHA LOAN?

As a first-time home buyer in Farmingville or Fort Lauderdale, it’s wise to do your research and ensure the home loans you apply for are backed up and insured by a reliable agency like the Federal Housing Administration.

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As a first-time home buyer in Farmingville or Fort Lauderdale, it’s wise to do your research and ensure the home loans you apply for are backed up and insured by a reliable agency like the Federal Housing Administration.

REFINANCING SERVICES

At Atlantic Home Capital, we provide you with the absolute best refinancing services in the industry. Whether you're refinancing your existing loan towards a lower rate or applying for a new loan, Atlantic Home Capital is here to help.

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At Atlantic Home Capital, we provide you with the absolute best refinancing services in the industry. Whether you're refinancing your existing loan towards a lower rate or applying for a new loan, Atlantic Home Capital is here to help.

VA LOANS

We always hear about US military members, veterans and their families struggling to make ends meet. But now, with VA loans guaranteed by the United States Department of Veterans Affairs, veterans can become homeowners.

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We always hear about US military members, veterans and their families struggling to make ends meet. But now, with VA loans guaranteed by the United States Department of Veterans Affairs, veterans can become homeowners.

A Jumbo Loan or Jumbo Mortgage is a type of loan that sometimes exceeds the governments limitation for loans set at the beginning of each calendar year. The value of a Jumbo Loan varies from state to state and even from municipality to municipality.

WHAT IS A JUMBO LOAN?

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A Jumbo Loan or Jumbo Mortgage is a type of loan that sometimes exceeds the governments limitation for loans set at the beginning of each calendar year. The value of a Jumbo Loan varies from state to state and even from municipality to municipality.

MODULAR HOME LOANS

When the time finally comes for you and your family to purchase, or build your forever home, you'll find that the decisions on what to buy are plenty!

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When the time finally comes for you and your family to purchase, or build your forever home, you'll find that the decisions on what to buy are plenty!

INVESTMENT PROPERTY LOANS

Investing in property and real estate is one of the wisest decisions you’d make in your life. You can add these purchases to your assets and continue profiting off of them for many years to come. Making a smart decision might be easy until you’re struggling to finance it and find the right loans. But don’t worry, our expert mortgage consultants are ready to help.

LEARN MORE

Investing in property and real estate is one of the wisest decisions you’d make in your life. You can add these purchases to your assets and continue profiting off of them for many years to come. Making a smart decision might be easy until you’re struggling to finance it and find the right loans. But don’t worry, our expert mortgage consultants are ready to help.

This material is not from HUD or FHA and has not been approved by HUD or a government agency. Atlantic Home Capital, Corp. (NMLS# 144314) does not make any mortgage loan commitments or fund any mortgage loans. All loans arranged through a third party provider. Licensed mortgage broker in the states of AL, CT, FL, MD And TN. Registered mortgage broker with the New York State Department of Financial Services. Licensed Mortgage Broker by the New Jersey Department of Banking & Insurance. Licensed mortgage lender in the state of MD. *Bruce Hill originates loans on behalf of mortgage broker Atlantic Home Capital Corp.