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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Reviews from Web
Great to work with!
Love Joe. Extremely helpful, knowledgeable and friendly. So grateful for all his help and guidance through the process. Above and beyond all my expectations!
Joe Cundiff has received a review with 5 star rating from Mike S
Second time using Atlantic Bay for our mortgage needs. Very professional, timely, and accurate! Easy to work with, friendly.
I’ve worked with many mortgage bankers in the past, and I can confidently say that Joe is one of the best in business! He’s extremely communicative and exceeds the expectation every time. I highly recommend contacting Joe for anything real...
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Reply from Owner
July 7th, 2026 03:14 PM
Thank you so much for your kind words, Tyler. I'm glad to hear that my communication and service have met your expectations. I truly appreciate your recommendation and look forward to assisting you with any future real estate needs at Atlantic...
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Can't say enough about the thoughtful service and attitude that we received
Reply from Joe Cundiff
July 1st, 2026 02:14 PM
Mark, I'm grateful to hear about the thoughtful service and positive attitude you experienced. It was a pleasure assisting you with your purchase at Atlantic Bay Mortgage Group. Thank you for your kind words!
Great communication and friendly. I would definitely recommend to friends and family.
Reply from Joe Cundiff
June 27th, 2026 01:57 PM
Thank you for your kind words, Sharon. I'm glad to hear that you appreciated the communication and friendliness during the process. Your willingness to recommend me to friends and family means a lot.
Joe is helpful.
Reply from Joe Cundiff
June 23rd, 2026 07:58 PM
I'm glad to hear you found my assistance helpful, Soo Ting. It was a pleasure working with you on your purchase at Atlantic Bay Mortgage Group.
Very helpful!
Reply from Joe Cundiff
June 19th, 2026 10:41 PM
I'm glad to hear you found my assistance helpful, Mark. It was a pleasure working with you! Thank you for your feedback!
I've done two refinances with Joe and he's literally the best. He's personable and knowledgeable, and understands mortgage banking better than anyone I've worked with before. He is also extremely ethical and a gentleman.
Reply from Owner
June 17th, 2026 09:28 PM
Thank you so much for your kind words and for trusting me with two refinances! It means a lot to know you had such a positive experience. I truly appreciate your support and look forward to helping you again whenever you need me.
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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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Positions
- Atlantic Bay Mortgage Group - Mortgage BankerAug 17th, 2009 - Current
Addresses and Serving Areas
Primary Serving Area
Other 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.