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
Second time using Atlantic Bay for our mortgage needs. Very professional, timely, and accurate! Easy to work with, friendly.
Reply from Joe Cundiff
August 5th, 2026 04:45 PM
David, thank you for choosing Atlantic Bay again for your mortgage needs. I'm glad to hear that you found the process professional and friendly. It was a pleasure working with you!
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.
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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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.