Julie Smallwood
Senior Mortgage Banker
My goal is to exceed any and all expectations of the loan process and offer the highest level of customer service. I am upfront, honest, and known to under promise and over deliver.
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Very helpful with questions. Qui k and understandable process.
Reply from Julie Smallwood
June 1st, 2026 01:59 PM
Scotty, I appreciate your feedback! I'm glad I could assist you with your questions and that you found the process quick and understandable. If you ever need further assistance, feel free to reach out.
She made thinks personable and was always available for any questions. She explained things on a level we could actually understand it.
Julie was kind, caring and hard working during our entire time working together!
Reply from Julie Smallwood
May 6th, 2026 02:48 PM
Samantha, I'm grateful for your kind words! It was a pleasure working with you, and I'm pleased to hear you felt supported throughout the process. If there's anything else I can assist you with, please let me know.
Jules was great. The back office could be a little better with communication. The actual underwriter were aggressively unpleasant. Good thing I only had limited contact there. Of course I'd use Jules again.
Reply from Julie Smallwood
April 20th, 2026 06:53 PM
Thank you for your feedback, Richard. I'm pleased to know you'd choose to work with me again, and I appreciate your positive comments about our time together. I'm sorry to hear about your experience with the communication and underwriter. Please...
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Julie was super sweet and very communicative through the house process! She answered every question and was fast to respond! would work with her again in the future if we needed to again!
Reply from Julie Smallwood
April 20th, 2026 06:54 PM
Elizabeth, I appreciate your kind words! I'm glad to hear that my communication and responsiveness made your house process smoother. If you ever need assistance again in the future, I'm here to help!
Julie was a big help from begining to the end . If I had any questions or concerns she was on it this is my second loan through Julie and each time she makes the process simple and easy
Reply from Julie Smallwood
April 20th, 2026 06:54 PM
Brandon, I really appreciate your kind words! I'm happy to have been able to assist you from start to finish and make the process simple and easy for your second loan. If you have any more questions or need further assistance, please feel free...
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Super nice, helpful, always there for any questions we had.
Reply from Julie Smallwood
April 20th, 2026 06:55 PM
Thank you, Lynn, for your kind review. I'm pleased to know that I could be helpful and available for any questions you had during the process. If there's anything else you need, please feel free to reach out.
The loan process and requests went smoothly and closing was quick! it was a pleasure working with Atlantic Bay Mortgage
Reply from Julie Smallwood
April 20th, 2026 06:55 PM
I'm pleased to hear that the loan process went smoothly and that the closing was quick, Vonda! It was a pleasure working with you as well, and I'm grateful for your kind words about Atlantic Bay Mortgage Group. If you have any future needs...
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I felt instantly comfortable with you and felt confident that you had my best interests at heart . I do wish the whole process was explained to me so that I knew what to expect throughout the process instead of waiting and wondering, but I...
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Reply from Julie Smallwood
March 4th, 2026 07:08 PM
Kristina, I appreciate you sharing your thoughts and feedback. It's great to know that you felt comfortable and confident with my support. I hear your point about the need for a more detailed walkthrough of the whole process, and I'll certainly...
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Julie made the process as easy as possible. Helping out with any and all of my questions.
Reply from Julie Smallwood
January 29th, 2026 08:03 PM
I appreciate your feedback, Jeremy. It’s great to hear that I could assist you effectively and make the process smoother. I'm glad I was able to answer all of your questions along the way. If you have more queries or need further assistance,...
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About
My goal is to exceed any and all expectations of the loan process and offer the highest level of customer service. I am upfront, honest, and known to under promise and over deliver.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Home Renovation Loan
Mortgage Refinance
Medical Professional Mortgages
Fixed Rate Mortgages
USDA Loans
Self-Employed Mortgages
Ground-Up Construction Loans
Search Rank ScoreLearn More →
176
/850
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Year Started
2005
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 1074434
- Licensed in VA
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.