Joe

  • Joe Kersey
  • Sr. Mortgage Banker
  • NMLS #115652
  • Licensed in VA & NC

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.

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

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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 is often able to save his clients thousands of dollars over the term of the loan.

With his financial background, ability to analyze and natural flair for interacting with people, Joe Kersey provides clients with structure and support throughout the mortgage loan process. When he first meets with clients, he sends them a file packed with valuable resources he has compiled. As part of the package, he includes a “Smooth Sailing Agreement” that immediately sets expectations and defines the responsibilities of his team, the client and the real estate agent.

Joe says, “The file includes a list of things underwriters are looking for to process the loan. I provide tips for a painless loan process, a list of documents required for the application and what to bring to the closing, as well as advice on what not to do to during the process. In addition, I provide a flow chart of how we get from the beginning to closing. For those who have rental properties or who are self employed, I offer more detail on what the underwriters are looking for. In addition, I subscribe to a service to keep my clients on top of the daily interest rates to help them decide the best time to lock in their rate to get the best deal.”

Joe is active in his church and volunteers for the Chesapeake Area Shelter Team (CAST). He serves on The City of Chesapeake Board of Equalization, which addresses property assessment disputes.

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 is often able to save his clients thousands of dollars over the term of the loan.

With his financial background, ability to analyze and natural flair for interacting with people, Joe Kersey provides clients with structure and support throughout the mortgage loan process. When he first meets with clients, he sends them a file packed with valuable resources he has compiled. As part of the package, he includes a “Smooth Sailing Agreement” that immediately sets expectations and defines the responsibilities of his team, the client and the real estate agent.

Joe says, “The file includes a list of things underwriters are looking for to process the loan. I provide tips for a painless loan process, a list of documents required for the application and what to bring to the closing, as well as advice on what not to do to during the process. In addition, I provide a flow chart of how we get from the beginning to closing. For those who have rental properties or who are self employed, I offer more detail on what the underwriters are looking for. In addition, I subscribe to a service to keep my clients on top of the daily interest rates to help them decide the best time to lock in their rate to get the best deal.”

Joe is active in his church and volunteers for the Chesapeake Area Shelter Team (CAST). He serves on The City of Chesapeake Board of Equalization, which addresses property assessment disputes.

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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.
$1,224.58
Monthly Payment
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870
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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.