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's communication throughout the entire process was excellent. She worked with us to make sure we could afford the house we wanted & helped us secure the best loan & finance options! She was wonderful!
Reply from Julie Smallwood
May 6th, 2026 02:49 PM
Ciara, thank you for sharing your experience! I'm pleased to hear that my communication and assistance made a positive impact on your home purchase journey. It was great working with you to find the best loan and finance options for your needs....
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We had such an incredible experience working with Julie on our mortgage. From the very beginning, she was positive, encouraging, and truly made us feel supported. Before finding her, we were feeling frustrated and overwhelmed—other lenders...
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Reply from Julie Smallwood
May 6th, 2026 02:51 PM
Rachel, I'm so grateful for your kind words and for sharing your journey. It truly means a lot to me that I could help make the construction loan process clear and manageable for you. I'm pleased to hear that my team and I could provide the...
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Great! I loved working with
Reply from Julie Smallwood
May 6th, 2026 02:50 PM
I'm glad to hear you loved working with me, Sarah! It was a pleasure assisting you with your clients purchase. If you have any more questions or need further assistance with any of your future clients, feel free to reach out. YOU were amazing...
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Loved working with Julie again! She made it such a smooth process and answered every question I had along the way! 🙂
Reply from Julie Smallwood
May 6th, 2026 02:51 PM
Amy, I appreciate your kind feedback! I'm happy to hear that the process went smoothly for you and that I could assist with all of your questions. It's always a pleasure working with you.
Answered all my questions. Returned calls promptly. Worked really hard and got me a 1% rate reduction which is awesome ! Julie made the process easy and I would recommend her to anyone. A truly lovely person.
The process went very smoothly thanks to Julie Smallwood taking such care.
I worked with Julie Smallwood recently on a home loan for one of my clients. She was very professional and worked hard and diligently to make it a quick and seamless and easy process for my buyer. I love working with Atlantic Bay and I love...
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Reply from Julie Smallwood
February 26th, 2025 09:40 PM
Thank you so much for your kind words, Matthew! I'm thrilled to hear that you had such a positive experience working with me. It was a pleasure assisting your client with their home loan, and I'm glad I could make the process smoother for both...
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Very professional, respectful, friendly, knowledgeable, responsive in a timely manner
Reply from Julie Smallwood
November 15th, 2024 04:28 PM
Thank you so much for your feedback, Sonseria! I'm over the moon to hear that you had a positive experience with us at Atlantic Bay Mortgage Group. Your kind words about my professionalism, respectfulness, friendliness, knowledge, and responsiveness...
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Thank you for your patience with all my questions and for being able to answer them fully.
Reply from Julie Smallwood
February 26th, 2025 09:41 PM
Hi June, Thank you so much for your kind words! I'm really glad you felt comfortable asking questions and that I could provide the answers you needed. Helping you through the process is what I'm here for, and it's wonderful to know you appreciated...
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I am thankful Julie and Shelly were able to help get my loan approved. They were great to work with!
Reply from Julie Smallwood
June 28th, 2024 03:53 PM
I'm thrilled to hear that Shelly and I could assist in getting your loan approved, Rachel! It was a pleasure working with you on this purchase. Your feedback is greatly appreciated and reinforces our commitment to provide excellent service...
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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.