Atlantic Bay Mortgage, NMLS # 72043
1611 E Main St
Salem, Virginia 24153

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.

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


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

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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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