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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Reviews from Web
I started this process with another lender. Every time the lender requested something, the process got more difficult. They created problems that only cost me more money and more frustration. This process dragged out for several months. They...
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Reply from Joseph Kelly
June 10th, 2026 08:41 PM
Robert thank you so much for your kind review and for trusting us for your construction financing. You were wonderful to work with! I am sure we will be in touch during your build process and we appreciate any future referrals you may send...
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Excellent communication, great team and smooth process!
Reply from Atlantic Union Bank Home Loans
May 29th, 2026 06:23 PM
Thank you, Hridaya, for your kind words about our team's communication and process. We're pleased to hear that you had a positive experience with us at Atlantic Union Bank. -Renee
Smooth
Not very good.
The mortgage team did an excellent job of keeping me informed. They had all of the documents ready for both the closings on the house we sold and the one we bought.
Reply from Joseph Kelly
June 10th, 2026 08:44 PM
Keith thank you so much for your kind review and for trusting us for your mortgage financing. You were wonderful to work with! I hope you will consider referring me to other medical professionals you know who are looking to purchase a primary...
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Best experience I've ever had and I've done many many loans in the past 20 years
Reply from Joseph Kelly
June 10th, 2026 08:47 PM
Justin thank you so much for your kind review and for trusting us for your mortgage financing. You were wonderful to work with!
Fast and easier than I remember other closings being.
Reply from Joseph Kelly
June 10th, 2026 08:48 PM
Clay and Veronica thank you so much for your kind review and for trusting us for your mortgage financing. You were wonderful to work with! I hope you will consider referring me to other medical professionals you know who are looking to purchase...
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Fantastic
5 star customer review
5 star customer review
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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.