Atlantic Bay Sr. Mortgage Banker & Certified Mortgage Advisor Joe Kersey , NMLS #115652

Joe

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 100 Virginia Beach, VA 23452.

A little more about me.

My goal is to leave all parties walking away from the transaction feeling joyful and proud instead of anxious and unsure.

After a 10-year career in accounting, Joe Kersey entered the mortgage industry in 2002 when he joined Atlantic Bay. Applying his accounting background to identify the best loan program, he can often save his clients thousands of dollars over the loan's term.

With his financial background, ability to analyze, and natural flair for interacting with people, Joe provides clients structure and support throughout the mortgage loan process. His team consists of a licensed production partner, a back-office loan processor, an underwriter, and a closer.

In over 20 years with Atlantic Bay, he has closed more than $500 million in loan volume and 2,000 loans. Joe says, "I've had the pleasure of working with first-time home buyers, veterans, self-employed investors, and those buying their second homes."

Joe lives in Chesapeake with his wife, Kristin, and they have two grown children. He is the Treasurer for a local non-profit organization, the Abba List, and volunteers with the Chesapeake Area Shelter Team (CAST). He enjoys spending time boating in Virginia and North Carolina.

After a 10-year career in accounting, Joe Kersey entered the mortgage industry in 2002 when he joined Atlantic Bay. Applying his accounting background to identify the best loan program, he can often save his clients thousands of dollars over the loan's term.

With his financial background, ability to analyze, and natural flair for interacting with people, Joe provides clients structure and support throughout the mortgage loan process. His team consists of a licensed production partner, a back-office loan processor, an underwriter, and a closer.

In over 20 years with Atlantic Bay, he has closed more than $500 million in loan volume and 2,000 loans. Joe says, "I've had the pleasure of working with first-time home buyers, veterans, self-employed investors, and those buying their second homes."

Joe lives in Chesapeake with his wife, Kristin, and they have two grown children. He is the Treasurer for a local non-profit organization, the Abba List, and volunteers with the Chesapeake Area Shelter Team (CAST). He enjoys spending time boating in Virginia and North Carolina.

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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Homeowners insurance: a standard insurance policy that covers damage to your home and protects your personal property.

from AB Insurance.

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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.