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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When Joe is your mortgage banker he knows how to take all your stress away so the only thing left to do is have a very pleasant experience with your loan process. He will help you with everything imaginable. Insurance, utilities etc anything...
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Reply from Owner
December 4th, 2025 04:33 PM
It was a pleasure to hear that your experience felt so positive and seamless. I'm glad I could be there to provide the assistance and answers you needed throughout the process. I look forward to the possibility of working with you again in...
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The experience with Joe at Atlantuy is like a daydream. Any and everything you need help with he's right there and has all the answers. It really seems like he has the answer before you ask the question.m thinking about getting another Mortgage...
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Reply from Joe Cundiff
December 4th, 2025 04:25 PM
It was a pleasure to hear that your experience felt so positive and seamless. I'm glad I could be there to provide the assistance and answers you needed throughout the process. I look forward to the possibility of working with you again in...
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Joe did a fantastic job at helping me process my loan .
Reply from Owner
December 4th, 2025 04:34 PM
I'm glad to hear that the communication and loan process went smoothly for you, Aaron. It was my pleasure to assist you. Thank you for your kind words and for choosing Atlantic Bay Mortgage Group.
Joe did a great job at communicating and making the loan process very easy . He was very professional and very helpful
Reply from Joe Cundiff
December 4th, 2025 04:26 PM
I'm glad to hear that the communication and loan process went smoothly for you, Aaron. It was my pleasure to assist you, and I'm pleased that you found my help professional and beneficial. Thank you for your kind words and for choosing Atlantic...
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Thank you so much for all you helped me with! You went above and beyond for me and still do even after buying my home. You out up with all my questions never getting upset or frustrated spoke with my family also when they had questions. You...
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Reply from Owner
October 31st, 2025 03:15 PM
Thank you so much, Whitney! It truly means a lot to hear that. It was a pleasure helping you through your home purchase and continuing to be a resource afterward. I really appreciated your trust throughout the process. I’m always here whenever...
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Joe and his team was a pleasure to work with.
Reply from Joe Cundiff
December 4th, 2025 04:26 PM
I appreciate your feedback, Stephen. It’s great to know that you enjoyed working with me and my team during your purchase at Atlantic Bay Mortgage Group. Thank you for your kind words!
Joe is honest and super helpful when helping us get our mortgage. He made what can be a tedious process quick and painless. We will definitely use him in the future!
Reply from Owner
October 29th, 2025 05:07 PM
I appreciate your kind words about my knowledge and your willingness to refer me. Thank you for your trust, Ester, and I'd be more than happy to assist you and Steve again in the future. Thank you!
Joe was honest and quick in his responses when helping us get our mortgage. We are grateful for him and his knowledge. We would definitely use him again and would refer him!
Reply from Joe Cundiff
October 29th, 2025 05:06 PM
I appreciate your kind words about my knowledge and your willingness to refer me. Thank you for your trust, Ester, and I'd be more than happy to assist you and Steve again in the future. Thank you!
I had a fantastic experience working with Joe. He was reliable, personable, and professional, making the entire mortgage process smooth and stress-free. I really appreciated his clear communication and genuine care throughout, and highly recommend...
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Reply from Owner
October 28th, 2025 08:34 PM
Thank you so much, Julianne! I truly appreciate your kind words and the trust you placed in me throughout the process. It was a pleasure helping you, and I’m so glad to hear everything felt smooth and stress-free. Wishing you all the best,...
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Joe is always willing to answer questions and kept us informed each step along the way during the loan application and approval process.
Reply from Owner
September 15th, 2025 06:53 PM
Thank you, Travis! I really enjoyed working with you and I’m glad I could keep everything clear and on track throughout the process. Please don’t hesitate to reach out anytime if questions come up—I’m always happy to help.
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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.