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See what my clients have experienced through their mortgage journey.

From start to finish Joe Kersey's communication and professionalism was outstanding. As the rates dropped he kept me informed.
Gizette J.
Recent Homebuyer
We had a great experience and really enjoyed working with Joe. He was very friendly, knowledgeable and professional.
John G. and Ashley G.
Recent Homebuyer
Joe Kersey and his team (Lindsey) were nothing but helpful. Timely correspondence. Hard working. After hours availability. I couldn't have been…
Jeffrey M.
Recent Homebuyer
This was the best loan process in my years of experience. Joe Kersey and his team did an excellent job and are to be commended.
Harold M.
Recent Homebuyer

Atlantic Bay made it happen! They gave me the loan I needed so that I didn’t have to come out of pocket. From the beginning to the end, Atlantic Bay was very efficient.

Shorter Family
Atlantic Bay Customers
We had a wonderful first home buying experience. Joe and Lindsey assisted with all our questions and we got a better rate then we anticipated…
Andrew J.
Recent Homebuyer

The relationship with Atlantic Bay through the whole process was amazing. We knew that no matter what time of day we could always trust and rely on [them] to come through.

Caitlin & Kyle
Atlantic Bay Customers
Have used Atlantic Bay and Joe Kersey for years for all my new mortgages and refinances, and it has always been a pleasure.
Nancy M.
Recent Homebuyer
Joe Kersey just did five refinances for us, this man is wonderful! Joe is a true professional, Atlantic Bay is lucky to have him!
Beverly G.
Recent Homebuyer
Joe and his whole team were fantastic! They kept me informed and worked to make this as smooth a process as possible. I can’t thank them enough…
Heather V.
Recent Homebuyer

I wanted to buy a home because I wanted a place for my kids to grow up at. The whole process from picking out my home to closing date took 30 days. [Atlantic Bay] was with me every step of the way.

Tate Family
Atlantic Bay Customers