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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Julie was absoluty amazing to work with. She certainly endured a lot dealing with me, but never once did she make me feel like a burden. I was truly blessed to have someone to walk me through every step of the way and to help me make my dream...
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Reply from Julie Smallwood
September 28th, 2026 02:15 PM
Yvonne, thank you for your heartfelt words. I'm truly grateful that I could support you throughout the process and help make your dream a reality. Working with you at Atlantic Bay Mortgage Group was a wonderful experience, and I'm pleased to...
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Julie and her team were prompt, professional, very helpful, and friendly
Reply from Julie Smallwood
September 25th, 2026 05:58 PM
I'm grateful for your positive feedback, Danny! It's wonderful to know that you found my team at Atlantic Bay Mortgage Group prompt, professional, and friendly. Thank you for choosing us for your mortgage needs.
Smooth uneventful experience. Completely stress free. Warm and friendly service. Thank you for everything!
Reply from Julie Smallwood
September 25th, 2026 03:13 PM
I'm glad to hear that your experience was smooth and stress-free, Linda. It was a pleasure to provide you with warm and friendly service at Atlantic Bay Mortgage Group. Thank you for your kind words!
Julie was super helpful and communitcative. She checked in, and provided clear and concise information.
Reply from Julie Smallwood
September 22nd, 2026 07:46 PM
I'm grateful for your kind words, Julia. It's wonderful to hear that you found my communication helpful and the information clear. Working with you through Atlantic Bay Mortgage Group was a pleasure.
Made it very easy and everybody was very knowledgeable!
Reply from Julie Smallwood
September 22nd, 2026 07:46 PM
I'm pleased to hear that you found the process easy and that our team at Atlantic Bay Mortgage Group was knowledgeable, Tyler. Thank you for sharing your positive experience!
Thank you!
Reply from Julie Smallwood
September 22nd, 2026 07:46 PM
I appreciate your gratitude, Stevie! I'm pleased to know you had a positive experience with us at Atlantic Bay Mortgage Group.
Had the best experienc! Julie was kind and walked me through every step of the process! I will most definitely be telling everyone to use her!!
Reply from Julie Smallwood
August 6th, 2026 07:27 PM
Nicole, I'm so pleased to hear that you had such a good experience working with me! It's great to know that my guidance through the process was helpful. Thank you for your kind words and for recommending me to others.
Easy to work with, and very responsvie to all questions, comments, and concerns!
Reply from Julie Smallwood
August 5th, 2026 02:14 PM
I appreciate your feedback, Josue! I'm glad to hear that you found it easy to work with me and that I was able to respond to all your questions and concerns. If there's anything else you need, please feel free to reach out.
I really don't have any negative experience. Julie and Frank made this a very easy process. The only thing I can really say is I didn't like being rushed the last week with no communication beforehand of everything that I needed to get together....
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Reply from Julie Smallwood
August 5th, 2026 02:15 PM
Thank you for sharing your experience, Sonja. I'm glad to hear that the process was easy overall with the help of Frank and me. I apologize for any rush in the last week and lack of communication about the requirements. Please feel free to...
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Julie was the perfect partner for me in the loan process Always available to answer my many questions and kept me in the loop on my loan I highly recommend her and will seek her support in any future loan needs
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Reply from Julie Smallwood
June 25th, 2026 03:35 PM
Elizabeth, I'm truly grateful for your kind words. It was my pleasure to assist you throughout the loan process and ensure you stayed informed. Knowing that you felt supported and plan to reach out for future needs means a lot to me. Thank...
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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
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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.