Atlantic Bay Mortgage, NMLS # 72043
1611 E Main St
Salem, Virginia 24153
https://atlanticbay.com/joelbalsley/

Atlantic Bay Financing Options

At Atlantic Bay Mortgage Group, we pride ourselves on making the mortgage loan process quick and easy. With our experienced team, we can assist you in finding the right mortgage and close on your loan in as little as 29 days.
Conventional

Low closing costs, flexible payment options
5% down usually required, can't come as a giftJoel Balsey
Fixed & adjustable rates available

FHA (Federal Housing Administration)

3.5% down required, can come as a gift
FHA 203(k) loan available, for fixer-upper properties
Used to buy & refinance a variety of home types
Fixed & adjustable rates available

USDA (United States Dept. of Agriculture)

For buying homes in rural areas, 30-year fixed rate
No down payment required
30-year fixed rate comparable to conventional loan rates
USDA direct loan available for low income buyers

VA (Veterans Administration)

For members & veterans of the Armed Services
No down payment or monthly mortgage insurance required
Rates usually better than conventional loan rates
Used to buy & refinance a variety of home types
Fixed & adjustable rates available

HARP

No Appraisal Options
Even if your home is valued less than your mortgage we may be able to help
For VA, FHA or Conventional Mortgages

The illustration is for informational purposes only and is based on a credit score of 740 for a 30-year conventional loan with a fixed rate of [X.XX]% and a down payment of [XX]%. [Payments include estimated taxes and insurance, but do NOT include any potential HOA fees.] OR [Payments do NOT include taxes and insurance or potential HOA fees.] Actual interest rates and mortgage insurance vary based on individual client scenarios, credit scores and market conditions. Not an exact quote. Loan programs, interest rates, and fees are subject to change with or without notice. †APR is defined as the annual percentage rate. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. *We will need to either make the page more “informational” without loan/financing information (preferred) or add in all of the necessary detail to effectively comply with the financing disclosure.


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Joel Balsley
Mortgage Banker
(540) 597-8877
NMLS #210455 |

With over 7 years experience, I have the knowledge necessary to make your mortgage process smooth and painless. I specialize in Conventional, FHA, VA, USDA Rural Housing, VHDA, and FHA 203k Rehab Loans. I am a local lender that takes the time to explain the entire mortgage process and I work the file from start to finish, ensuring you always know what's going on and that your loan closes quickly and efficiently. Call me today to get prequalified so you can start the search for your new home!

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* Featured real estate company is not a mortgage lender and so you should contact Atlantic Bay Mortgage Group, L.L.C. directly to learn about its products and your eligibility for such products. The featured lender has an affiliated business relationship with the featured real estate agent. You are under no obligation to use the featured lender for financing. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. Located at 596 Lynnhaven Parkway Suite 200 Virginia Beach, VA 23452.