John Campbell Mortgage Banker NMLS #214954

John Campbell Mortgage Banker NMLS #214954 John Campbell, NMLS 214954
Licensed in Virginia
Atlantic Bay Mortgage Group
NMLS # 72043
www.nmlsconsumeraccess.org
Equal Opportunity Lender

Making the mortgage process easy for my clients is a big priority. Laying out that process so you understand what to expect is something we'll do each step of the way. Since entering the mortgage business in 2001, I have helped a wide range of clients including: active & retired military, first time home buyers, primary & secondary home buyers, new home builders, re-modelers, and investors. As a native of Rockbridge County and graduate of VMI, as a father who loves coaching baseball and going fishing, as someone who enjoys farming and woodworking, I know this area well. I know the homes and the people. I will work hard to get all the information at one time rather than piecemeal over months. I will be responsive and consistent as we work together through the process to finance your future home. Atlantic Bay Mortgage Group #72043
www.nmlsconsumeraccess.org
Equal Opportunity Lender
Licensed in Virginia

Buying a home can feel like a roller coaster.The good news? Your mortgage payment doesn't have to start at full speed.A ...
09/15/2026

Buying a home can feel like a roller coaster.

The good news? Your mortgage payment doesn't have to start at full speed.

A temporary buydown may help lower your monthly payment during the first year or two of your loan, giving you more room in your budget while you settle into your new home.

Wondering if a temporary buydown could work for your homebuying plans? Send me a message. I'd be happy to walk you through your options.
https://myoc.io/johncampbell



NMLS # 214954

Remembering and honoring the lives lost on September 11, 2001, and the courage of those who responded with strength and ...
09/11/2026

Remembering and honoring the lives lost on September 11, 2001, and the courage of those who responded with strength and service. We will never forget.

NMLS # 214954

Crisp air, cozy days, and a fresh season for new beginnings. If a new home is on your fall wish list, getting pre-approv...
09/09/2026

Crisp air, cozy days, and a fresh season for new beginnings. If a new home is on your fall wish list, getting pre-approved is a great place to start. Let’s get you ready to fall in love with your next home!

NMLS # 214954

Before you can play the homebuying game, someone’s got to roll the ball. 🟢That’s what the Origination Fee does. It’s the...
09/08/2026

Before you can play the homebuying game, someone’s got to roll the ball. 🟢

That’s what the Origination Fee does.

It’s the payment that gets your loan started. Picture it as giving the ball its first little push. 🫸

Once it’s rolling, the rest of the mortgage process follows!
https://myoc.io/johncampbell



NMLS # 214954

This Labor Day, I’m thinking about all the early mornings and late nights that turn into a down payment. That's the work...
09/07/2026

This Labor Day, I’m thinking about all the early mornings and late nights that turn into a down payment. That's the work our team gets to be part of. Enjoy the day off, you've (more than) earned it.



NMLS # 214954

One of the biggest obstacles to buying your next home... is qualifying whileyou're still paying for your current one.Tha...
09/03/2026

One of the biggest obstacles to buying your next home... is qualifying while
you're still paying for your current one.
That's where DTI Buster may help.
Qualified buyers may be able to:
Exclude their current mortgage from their qualifying debt ratio
Submit offers without a home sale contingency
Buy first, then sell
Every situation is unique, but I'd be happy to walk you through your options.
Send me a message to learn more.
https://myoc.io/johncampbell



NMLS # 214954

Thanks to the incredible efforts of our team during our Month of Service, we packed 2,500 disaster relief kits to help f...
09/02/2026

Thanks to the incredible efforts of our team during our Month of Service, we packed 2,500 disaster relief kits to help families when they need it most.

Some kits have already been sent to Venezuela, while the rest are positioned throughout our footprint, ready to provide support when disasters strike.

NMLS # 214954

09/01/2026

A great mortgage experience is built on communication, strategy, and trusted guidance from start to finish. If you’re thinking about buying or refinancing, let's talk.
https://myoc.io/johncampbell



NMLS # 214954

08/31/2026

Apparently, I have a pretty good marketing department at home. 😂🐾

When it comes to mortgages, I take helping people seriously. Have questions? I’m here to help.

📱 540.461.2072
🌐 atlanticbay.com/johncampbell



NMLS # 214954

The Week Ahead 📊🏡Mortgage rates are heading into September with a lot riding on this week’s economic data.The average 30...
08/31/2026

The Week Ahead 📊🏡

Mortgage rates are heading into September with a lot riding on this week’s economic data.

The average 30 year fixed mortgage rate finished last week around 6.81%. Inflation is still running above the Fed’s 2% target, and the possibility of another rate increase is back on the table.

The biggest report to watch is Friday’s employment report. If hiring and wage growth continue to cool, that could help ease some pressure on interest rates. Stronger than expected job growth could push rates higher.

For homebuyers, higher rates continue to make monthly payments a big part of the conversation. The good news is that growing inventory and slower home price appreciation may give buyers a little more negotiating power in some markets.

For those of us in the mortgage and real estate industry, this is another week where the economic data could move rates quickly.

The big things I am watching are employment, wages, inflation, oil prices, and how the Fed responds to all of it.

Stay informed. Stay ready. And keep looking up.

NMLS # 214954

Address

2066 Magnolia Avenue
Buena Vista, VA
24416

Website

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