Joseph

  • Joseph Thomas Delgado
  • Sr. Mortgage Banker
  • NMLS #211259
  • Licensed in VA

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 (nmlsconsumeraccess.org) is an Equal Housing Lender. Located at 600 Lynnhaven Parkway Suite 203 Virginia Beach, VA 23452.

A little more about me.

I listen before I start talking. I need basic information about my clients’ stituation so I can develop exactly the right program for them.

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 ownership. Specializing in first time home buyers and veterans, his clients have ranked him at 99 percent for providing superior customer service. Joe has experience in all types of loans including VA, VHDA, FHA, Conventional and USDA.

A proud Vietnam veteran, Joe Delgado entered the mortgage industry in 1974 through a Veterans’ Administration training program. He went on to work for a large consumer finance company, where he deepened his knowledge and experience with mortgages. Joe, who came to Atlantic Bay in 2008, has been recognized the last five years as one of the top mortgage professionals for outstanding customer service and client satisfaction.

A man who does what he says he will do, Joe initially meets with clients face-to-face. Very early in the discussion, he gathers basic information to pre-qualifly them for a loan, a process he calls running an “Oasis of Rapport.” Joe says, “People think pre-qualification is a very long process and it is not. The conversation to get clients pre-qualified only takes about 10 minutes. When I tell them, ‘You’re approved, based on what you have told me,’ that calms them and they can relax though the rest of the conversation.” Joe then explains what the borrowers can expect from him and the steps they will need to take to be fully approved for the loan.

Joe has conducted many learning sessions and taught classes to over 35 industry professionals. His business consists of 95 percent purchase and 5 percent refinance with 95 percent referrals.

As part of his dedication to the community in which he works, Joe rides in the MS 150 Bike Ride, a two-day fundraising bike ride organized by the National MS Society. He also participates in the James County Police Department’s Annual Project Lifesaver Car Show. The car show raises funds used to purchase personalized wristbands that emit a radio frequency tracking signal for people afflicted with dementia, Alzheimer’s, Autism or other disorders which make them prone to wandering. The wristbands allow the police to track patients if they are reported missing.

What can you afford?

Use my mortgage calculator to estimate your monthly cost.*
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*This calculator is made available to you as an informational tool. All examples are hypothetical and are for illustrative purposes only. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on individual scenarios, credit scores and market conditions. Atlantic Bay Mortgage Group does not guarantee the applicability of the above terms in regards to your individual circumstances. This information is not intended to replace the advice of a tax or financial professional.
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*This calculator is made available to you as an informational tool. All examples are hypothetical and are for illustrative purposes only. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on individual scenarios, credit scores and market conditions. Atlantic Bay Mortgage Group does not guarantee the applicability of the above terms in regards to your individual circumstances. This information is not intended to replace the advice of a tax or financial professional.