Joe Kersey Mortgage Team

09/03/2026

Rates may be trending higher, but serious buyers could have more room to negotiate, ask for seller concessions, and avoid some of the bidding-war pressure we saw in lower-rate markets.

Don't think "the perfect rate," think "the right monthly payment." I can help - DM and let's start the conversation!



NMLS # 115652

09/02/2026

Football season is back! Time to break out the jerseys, fire up the grill, and settle in for the touchdowns, rivalries, and unforgettable moments we’ve been waiting for.
Who are you rooting for this season? 👇🏈



NMLS # 115652

08/26/2026

5.0 star review received on Experience.com for Joe Kersey by David B - Joe's team was amazing from beginning to end. Truly a seamless experience.

Click to see all 453 reviews of Joe Kersey, Senior Mortgage Banker

08/25/2026

Congratulations to all 61 of our Mortgage Bankers here at Atlantic Bay who earned their spot on the 2026 Scotsman Guide Top Originators list!



NMLS # 115652

08/24/2026

Some signs are a little harder to miss than others. 😂🏡
If homeownership is on your mind, you know where to find us.

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 Opportunity Lender. Located at 600 Lynnhaven Parkway Suite 100, Virginia Beach, VA 23452.



NMLS # 115652

08/15/2026

5.0 star review received on Experience.com for Joe Kersey by Brendon H - Joe did an outstanding job helping us through the entire lending process. He was professional, responsive, knowledgeable, and made what could have been a stressful process feel easy. Joe was always available to answer questions and kept us informed every step of the way. I highly recommend Joe to anyone looking for a great lender!

Click to see all 452 reviews of Joe Kersey, Senior Mortgage Banker

08/05/2026

Congratulations to our VP of Operations Strategy, Julie Watson, on being named a 2026 HousingWire Insider! 👏

This recognition is a testament to the leadership, dedication, and behind-the-scenes impact Julie has made at Atlantic Bay for the past 18 years.

We are incredibly lucky to have leaders at Atlantic Bay like Julie who constantly help drive our team forward.

Read more on this well-deserved accomplishment here: https://www.atlanticbay.com/newsroom/uncategorized/Julie-watson-insider-award-2026/



NMLS # 115652

08/05/2026

5.0 star review received on Experience.com for Joe Kersey by Kaitlen H - Joe and his team were very professional and knowledgeabl. We enjoyed working with him .

Click to see all 450 reviews of Joe Kersey, Senior Mortgage Banker

07/28/2026

Think you must sell before you can buy? Not always.
If you have equity in your current home, there may be a way to use it toward your down payment before your home sells.
That can mean:
- Move directly into your next home
- Avoid packing twice
- Submit a stronger offer
Every situation is different, but I'd be happy to show you your options.
Message me to learn more.



NMLS # 115652

07/24/2026

5.0 star review received on Experience.com for Joe Kersey by Brett P - Extremely helpful. Very transparent and honest. I would recommend him and his team to everyone

Click to see all 448 reviews of Joe Kersey, Senior Mortgage Banker