Julie Smallwood, Senior Mortgage Banker at Atlantic Bay Mortgage Group

So you’re ready to buy, now what? The first step in this process, is to get pre-qualified. Next, is to decide on what kind of home will fit your needs and the needs of your family. That's where I'm here to help!

https://www.atlanticbay.com/blog/homeownership/should-i-build-or-buy/

Wouldn’t it be nice if choosing the perfect loan for you was as simple as deciding on what socks you plan to wear today? You have a few different options and patterns to choose from, a few colors, but it’s ultimately a pretty quick no-brainer.

https://www.atlanticbay.com/blog/mortgages/choosing-the-right-mortgage-loan/

🎉 Join us in celebrating National Senior Citizens Day on August 21! 🌟 Let's honor the wisdom and contributions of over 47 million seniors in the U.S. They have witnessed decades of change and offer invaluable lessons to future generations.

Let's dive into the C word—your credit score. Ready to take control of it? Before you Google “How to get a good credit score,” let’s break down the basics so you know exactly how it works. Take the first step toward financial empowerment today!




https://www.atlanticbay.com/blog/finances/c-is-for-credit/

It is a beautiful day for an Open House! Come see us!

OPEN HOUSE SUNDAY 8/18 FROM 12:00-2:00 PM!!!👉🎯 This is the chance you have been waiting for! This home is perfect for your family! 🥰 Come see the "Bowtie Guy" Matt Howdyshell, REMAX Advantage and your Mortgage Banker "I'd Finance That" Julie from Atlantic Bay Mortgage Group! We are going to be having fun and excited to see you!😍

What a dream home! Let me get you credit and asset approved for a mortgage! I'd finance that!

This is the one for you! Check it out! Yes, "I'd Finance That"! Let's get your prequalification letter ready for your realtor so you can put that offer in and show you are fully credit and asset approved!

11 Manton Ln, Verona, VA 24482 (MLS #655870) :: Kline & Co Real Estate Residential property for sale in Verona,VA (MLS #655870). Learn more from Kline & Co Real Estate. The spacious kitchen boasts new appliances, making meal preparation a breeze, whether you're cooking for family or entertaining guests.

Nice! This is a beautiful home and I'd Finance That for you! Just give me a shout and let's get you fully credit and asset approved for the best mortgage option available for you!

52 OX RD, WAYNESBORO, VA 22980 | RE/MAX Take a closer look at this $345,000, 3 bed, 2 bath, 1,716 Sq Ft, Single Family for sale, located at 52 OX RD in WAYNESBORO, VA 22980.

OPEN HOUSE SUNDAY 8/18 FROM 12:00-2:00 PM!!!👉🎯 This is the chance you have been waiting for! This home is perfect for your family! 🥰 Come see the "Bowtie Guy" Matt Howdyshell, REMAX Advantage and your Mortgage Banker "I'd Finance That" Julie from Atlantic Bay Mortgage Group! We are going to be having fun and excited to see you!😍

‼️New Post Alert‼️ Join me for a sweet treat at my new location! 🍪🥤 Swing by on Tuesday, August 20th between 11am-2pm.

Indulge in the nostalgic flavors of summer today for National Creamsicle Day! Celebrate with the classic combo of creamy vanilla ice cream and tangy orange sherbet. Share your favorite creamsicle moments and enjoy the sweet taste of nostalgia!

Here's to an unforgettable year filled with learning, growth, and exciting new adventures! May this school year be your best yet, filled with opportunities and achievements that make it truly one for the books. Good luck, students—go and make your dreams come true!

Ready to tackle the down payment challenge? Our latest blog post in the Knowledge Center shares practical side hustle ideas to help boost your savings.

https://brev.is/G1fwI

Try These Side Hustles to Save for a Down Payment Overcome the down payment hurdle with our expert tips and side hustle strategies to save faster for your dream home.

This one here is a "Must See" to appreciate! Call your favorite realtor and go see it! And don't forget......"I'd finance that"!!! Call or text me and let's get you approved with a Fast Track mortgage application!

119 Flint Mountain Dr Video by Valley Media LLC

🤸‍♂️ Even if we need to do flips to get there… our team of Mortgage Olympians will help you cross the finish line to your new home, winning loan, and financial goals. 🥇🥇🥇

Whether you're looking to buy a new home, refinance, or explore your mortgage options, now is a great time to consider your next steps. Don’t miss out on these rates!

Reach out to get personalized advice. Atlantic Bay Mortgage Group, committed to your home journey!

🎉🏡 Looking to achieve your financial goals? 🌟 Let Mortgage be your winning team this summer! Our Mortgage Olympians are here to help you reach the finish line towards your new home. 🥇🤝🏅

Let's celebrate! You're embarking on the thrilling journey to homeownership! We want you to feel completely confident as you start shopping. It can be overwhelming, but with professionals who prioritize you, victory is yours. Ready to dive in? We'd love to be your lender!


http://atlanticbay.com/pre-qualify

🏅Go for the gold this summer with Atlantic Bay! 🏅Our team of Mortgage Olympians will help you cross the finish line to your new home, winning loan, and financial goals. 🤸‍♂️🏊‍♂️🏃‍♂️🚴‍♂️

🎉 Happy National Pickleball Day! 🏓 Let's come together and celebrate this dynamic and growing sport that's capturing hearts worldwide! 🌍 Embrace the fun, camaraderie, and joy that pickleball brings to people of all ages. Join the movement!

🚴‍♂️ Even if we have to race to get there… our team of Mortgage Olympians will help you cross the finish line to your new home, winning loan, and financial goals. 🤸‍♂️🏊‍♂️🚴‍♂️🏃‍♂️

Ready to transform your financial game? Refinancing means replacing your current loan with a new one. Decide your goal: a longer or shorter term, a lower payment, cash for renovations, or reduced interest. Let's explore how refinancing can boost your financial future!

http://atlanticbay.com/pre-qualify

If you find yourself in the "sick of renting but don’t think you have enough money to save for a down payment" category, you're not alone. You just need to get creative! Here are six tips to help you make your down payment: consider an FHA loan, take out a VA loan if you have served or currently serve in the military, accept a down payment as a gift, use retirement funds, tap into down payment assistance programs, and start saving.

We’re here to help you reach your homeownership dreams. Interested in learning more? Let's chat about down payment strategies.

http://atlanticbay.com/pre-qualify

🍦🍪 Happy National Ice Cream Sandwich Day! 🎉🍦

Beat the summer heat with a delicious frozen delight! Indulge in the classic combination of creamy ice cream sandwiched between two chocolate wafers. 🍫🍨 Tag your friends and share your favorite flavor!

Paying off your mortgage is an incredible achievement!

But just like when you first closed your loan, there are some final details to handle before the home is officially yours. Read our latest Knowledge Center article to learn more!



https://www.atlanticbay.com/knowledge-center/payoff-my-mortgage-loan/

🥑✨ Get ready to celebrate National Avocado Day on July 31! 🎉 Avocados aren't just a staple in the American diet; they're also a key ingredient for recipes that benefit both inside and outside your body! Let your culinary creativity shine and enjoy the many ways avocados can elevate your meals and self-care routines. Clear the table and prepare for an entire meal featuring this delicious superfood in style.

You’ve found the home of your dreams and you’re ready to start the loan application—let the celebrations begin!

It’s common for homebuyers to feel intimidated and overwhelmed during the application process, but our team is here to help you every step of the way.

Standard documents required by lenders may not always reflect your full financial picture. The more you share upfront, the smoother your loan process will be. When in doubt, we’re here for you.

Ready to start your application? Let’s connect!

Your credit history is summed up into a single number—your FICO® credit score. This score determines your creditworthiness for things like applying for a credit card, buying a car, and purchasing a home. It is calculated based on five factors: new credit accounts opened (10%), a healthy mix of credit (10%), length of credit history (15%), debts owed (30%), and payment history (35%).

We’re here to help you reach your homeownership dreams. Interested in making a specific plan to strengthen your FICO® credit score? Let’s chat!

4.5 star review received on Experience.com for Julie Smallwood by June N - Thank you for your patience with all my questions and for being able to answer them fully.

New ★★★★★ 4.5 Star Experience.com Review by June N Click to see all 80 reviews of Julie Smallwood, Julie Anne Smallwood | NMLS # 1074434