Joseph Kelly
Mortgage Sales Manager
Since 1997 Joseph has helped clients use mortgage strategies to increase savings and reduce debt. Whether you are a first time homebuyer or a seasoned owner looking to purchase refinance or build Joseph focuses on helping you not selling yo... Show More
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24 hours(Open now)
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24 hours
Tues
24 hours
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Reviews from Web
Evergthing went smoothly
Joseph and his team were all great to work with. There was never a question they weren't willing to answer, and they always answered us promptly.
The team kept me and my significant other up to date on everything. They answered all our questions to where it was easy to understand.
Reply from Atlantic Union Bank Home Loans
September 9th, 2026 08:05 PM
Thank you for sharing your experience. It’s wonderful to know you and your significant other felt informed throughout the process and received answers that were clear and easy to understand. Helping customers navigate each step with confidence...
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Straightforward and honest process with decent communication.
Reply from Atlantic Union Bank Home Loans
September 9th, 2026 07:57 PM
Thank you for sharing your feedback. It’s wonderful to know you found the process straightforward and appreciated the honest communication along the way. We also appreciate your comments regarding communication, as keeping customers informed...
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I came off of a really bad experience with Rocket Mortgage only to feel so cared about at AUB. Ease, communication, timing, etc. - all of it!
Reply from Atlantic Union Bank Home Loans
August 20th, 2026 08:07 PM
We appreciate you taking the time to share your experience. Knowing you felt well-supported throughout the process is incredibly rewarding, and we’re pleased that the communication and timing helped create a positive experience. Thank you for...
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Joseph was very knowledgeable and helped us buy our first home! He was available and great to work with throughout the whole process.
Reply from Atlantic Union Bank Home Loans
August 18th, 2026 03:21 PM
Thank you, Carmel, for sharing your wonderful experience with Joseph. We're pleased to hear that his knowledge and availability made buying your first home a positive journey. We appreciate your kind words and are grateful to have been part...
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Joseph and including his other team memebers were available any time I had question .
process seems much streamlined
Reply from Atlantic Union Bank Home Loans
August 18th, 2026 02:33 PM
Thank you, Ashwani, for sharing your positive experience with Joseph and the team. We're pleased to hear that their availability and streamlined process met your expectations. -Renee
Joseph and Rebecca were so helpful and responsive. We were treated as though we were a top priority. Amazing experience.
Reply from Atlantic Union Bank Home Loans
August 18th, 2026 02:31 PM
Thank you, Verneda, for sharing your experience. We're pleased to hear that Joseph and Rebecca provided you with such helpful and responsive service. Your kind words mean a lot to us, and we're glad you felt prioritized during your time with...
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Professional Communication & clear expectations made the process easy.
Reply from Atlantic Union Bank Home Loans
August 17th, 2026 09:05 PM
Thank you for sharing your experience. Clear communication and setting expectations along the way are so important to a smooth process, and it’s wonderful to know those aspects helped make everything feel easy to navigate. We appreciate you...
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Being a first-time buyer, Joseph was excellent resource and guide as we went through yhe mortgage applicatio process. We are glad we were introduced to Joseph.
Reply from Atlantic Union Bank Home Loans
July 16th, 2026 03:38 PM
Thank you for sharing your experience, Travis. Purchasing a home for the first time is an exciting milestone, and having the right guidance along the way can make all the difference. It’s wonderful to know Joseph served as a trusted resource...
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About
Since 1997 Joseph has helped clients use mortgage strategies to increase savings and reduce debt. Whether you are a first time homebuyer or a seasoned owner looking to purchase refinance or build Joseph focuses on helping you not selling you aiming to earn long term trust as a mortgage advisor.
As manager of the Mortgage Solutions Center for Atlantic Union Bank Joseph leads a top operations team. He is well versed in working with self employed borrowers medical professionals and veterans. He holds an engineering degree from the University of Virginia.
Outside of work Joseph is a professional artist who enjoys traveling with his wife seven adult children and many grandchildren. He is passionate about providing a seamless experience.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Home Renovation Loan
Construction Loan
Medical Professional Mortgages
USDA Loans
Non-QM
Cash-Out Refinances
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Year Started
1989
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 1576420
Disclaimer
Atlantic Union Bank, located in Virginia and beyond, offers a wide range of financial solutions including checking accounts, savings accounts, business loans and more. Bank online or visit one of our conveniently located branches or ATMs today. Member FDIC. NMLS # 551889. ©2026 Atlantic Union Bank. All rights reserved.