Licensed in VA

Joseph Thomas Delgado

Sr. Mortgage Banker | NMLS #211259

4071 Ironbound Road
Williamsburg, VA 23188
Get Directions

Loan programs may change at any time with or without notice. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 ( is an Equal Housing Lender. Located at 600 Lynnhaven Parkway Suite 203 Virginia Beach, VA 23452.

“I listen before I start talking. I need basic information about my clients’ stituation so I can develop exactly the right program for them. I always listen to the client first to find out exactly what they’re trying to achieve and then answer their specific concerns to put them at ease”

Over the course of his 41-year career in the finance/mortgage industry, Joe Delgado has guided thousands of families down the path to home…

Read full bio...

We've collected reviews from my clients so that you can see how I'm doing.

The results are in...

Joe was incredible to work with on my loan. I am new to the area and have a difficult time trusting new people to do business with. I knew people I could trust in Tennessee. Joe spent hours with me building trust, and I would recommend him to anyone. He was very professional and answered all my questions. He went above and beyond to explain everything to me.

-Catherine M.


Licensed Loan Officer
Purchase and Refinance

Financing Tool Kit

Hand-picked tools designed to educate and inform

$ 1074.18

Estimated Monthly Mortgage Payment

Number of Payments:


Total Payed:


This calculator is made available to you as a self-help tool. All examples are hypothetical and for illustrative purposes only. Any calculations assumes the theoretical borrower will have excellent credit and are based on information you have provided. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on location, loan type, and many other determining factors. This information was prepared by an independent third party, and accuracy is not guaranteed. We encourage you to seek personalized advice from qualified professionals regarding all financial issues and needs.


Families Helped


Customer Satisfaction


Closed On Time

Community Commitment

AB Cares Logo

Our Mission: Atlantic Bay Cares is the community outreach arm of Atlantic Bay Mortgage Group with the primary goal of changing lives in communities through doing good and giving back to causes meaningful to our employees.

Celebrating More than 20 Years of

Lending Peace of Mind

Joseph Thomas Delgado

Sr. Mortgage Banker | NMLS #211259
Licensed in VA