Joe Cundiff
Mortgage Banker
I am going to listen and help you access your financial goals and dreams. I am going to make sure you are in the best possible situation.
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Joe was kind, patient, clear, and informative. He followed up regularly and answered questions with hepful and clear information and directives. He was fantastic!
Reply from Joe Cundiff
June 10th, 2026 09:30 PM
Kyle, I'm glad to hear that you found my assistance helpful and informative. I appreciate your kind words and am pleased that you felt supported throughout the process. Thank you for choosing Atlantic Bay Mortgage Group!
As local real estate agents, we've worked with Joe numerous times. He's good at what he does and keeps everyone informed throughout the process. More importantly, our clients enjoy having him as their lender. Give Joe a call!
Reply from Owner
May 7th, 2026 10:11 PM
Thank you so much for the kind words and continued trust! It’s always a pleasure working alongside dedicated local real estate agents who share the same commitment to creating a smooth and positive homebuying experience for our clients.Clear...
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I had the pleasure of working alongside Joe Cundiff on a recent transaction, and I can only say good things about the experience.Joe stepped in, took over the loan, and kept everything moving forward smoothly. His communication throughout the...
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Reply from Owner
April 30th, 2026 10:17 PM
Kat, I'm glad to hear about your positive experience with our recent transaction. It was great working alongside you, and I'm pleased that my communication and dedication made a difference. Thank you for your kind words, and I look forward...
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Joe was so responsive and patient. My situation was unique in that I am going through a divorce, so at times things moved slower. Joe communicated every step of the way and even helped me expedite things at the end once we could move forward....
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Reply from Joe Cundiff
April 30th, 2026 10:17 PM
Lottie, I'm truly appreciative of your kind words. I'm glad I could provide the support and communication needed during your unique situation. It was a pleasure assisting you with your refinance process at Atlantic Bay Mortgage Group.
I had an excellent experience working with my mortgage lender, Joe Cundiff. From start to finish, he was incredibly helpful, patient, and knowledgeable. He always took the time to answer all of my questions clearly and made sure I understood...
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Reply from Owner
April 30th, 2026 10:18 PM
Christa, I'm glad to hear that you had such a positive experience with your mortgage process. It's great to know that my efforts to keep you informed and responsive were helpful in securing your home. Thank you for your kind words and recommendation....
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Joe was very helpful and very responsive to any questions we had any time of day
Reply from Joe Cundiff
May 1st, 2026 08:51 PM
Ashton, I'm grateful to hear that you found me helpful and responsive throughout your purchase process. It was a pleasure assisting you with your questions at any time. Thank you for sharing your positive experience with Atlantic Bay Mortgage...
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Joe was great to work with! Anytime we had w question or anything he got back to us immediatel. he made the process very smooth and we really appreciated it!
Reply from Joe Cundiff
May 1st, 2026 08:52 PM
Thank you, Abigail, for your kind words. I'm glad I could make the process smooth for you and provide prompt responses to your questions. It was a pleasure working with you at Atlantic Bay Mortgage Group.
Five-star experience with Joe and Atlantic Bay! The communication was top-notch, the closing was seamless, and there were zero "hidden surprises" at the end. They are efficient, honest, and easy to work with. I’ll definitely be using them for...
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Joe was incredibly kind and helpful during the homebuying process. He was always available to answer my (many) questions as a first time homebuyer and kept me informed on what was going on behind the scenes. I would recommend Joe to anyone...
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Reply from Owner
April 30th, 2026 10:05 PM
Thank you so much for your kind words! It truly means a lot that you took the time to share your experience. Helping first-time homebuyers navigate the process is especially important to me, so I’m glad I could make things clear and keep you...
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I found Joe to be incredibly kind and helpful during the entire homebuying process. He was always available to answer questions and kept me in the loop about everything going on behind the scenes. I would definitely use Joe again in the future....
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Reply from Joe Cundiff
June 10th, 2026 09:32 PM
Thank you, Sabrina, for your kind words. I'm glad to hear that you felt supported throughout the homebuying process. It was a pleasure working with you, and I look forward to assisting you again in the future.
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About
I am going to listen and help you access your financial goals and dreams. I am going to make sure you are in the best possible situation.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Specialities
Home loan mortgages for purchase and refinance of primary residence, investment property, and second homes. Conventional, FHA, USDA, VHDA
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283
/850
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Positions
- Atlantic Bay Mortgage Group - Mortgage BankerAug 17th, 2009 - Current
Addresses and Serving Areas
Year Started
2009
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 210457
- Licensed in VA
Achievements
- Past President - Salem Roanoke County Chamber of Commerce
- Past President - Salem Rotary Club
Disclaimer
© 2024 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.