
Annie James
Mortgage Banker

We understand that no two homebuyers are alike. That's why we find the best financing situations to fit your unique needs.
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Annie was insanely helpful after I had trouble with another bank. She was able to keep the closing date that was originally set and made sure I understood each and every step we were at in the loan process. The only small thing I would critique...
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Reply from Annie James
September 21st, 2026 08:10 PM
Thank you so much for the feedback, Kyle. I truly appreciate you taking the time to share your experience. When a loan amount changes within five business days of closing, it requires the loan to be completely restructured to include changes...
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Annie was amazing to work with. She guided us through the loan process thoroughly and with kindness from start to closing. I highly recommend her.
Reply from Annie James
August 30th, 2026 05:06 PM
Thank you Victoria. I was so grateful for the opportunity to help you and Kevin with your investment home and I wish you continued success in all you do. P.S. I can't wait to read your books!
Annie was amazing! She was easy to work with and made she we understand every process!
Reply from Annie James
August 25th, 2026 01:55 PM
Thanks Cam, easy clients make for easy loans!
Thank you for all your hard work.
Reply from Annie James
August 25th, 2026 01:56 PM
I wish you all good things in your beautiful new home!
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About
We understand that no two homebuyers are alike. That's why we find the best financing situations to fit your unique needs.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Specialities
VA, FHA, USDA, Conventional, Construction, First Time Homebuyers, HELOCs, Bridge Loans
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Year Started
2017
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS #1669897
- Licensed in IN & KY
Disclaimer
© 2022 Atlantic Bay Mortgage Group
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 100 Virginia Beach, VA 23452.