Joel Balsley Sr. Mortgage Banker

Joel Balsley Sr. Mortgage Banker Atlantic Bay Mortgage Group | Senior Mortgage Banker | NMLS #72043 | NMLS #210455 | Licensed in VA | Equal Opportunity Lender | nmlsconsumeraccess.org

Joel Balsley, Licensed in VA #210455
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Atlantic Bay Mortgage Group
NMLS # 72043
www.nmlsconsumeraccess.org
Equal Opportunity Lender

Mortgage rates have been on quite a journey. From double-digit rates in the 1980s to the record lows of 2021, our latest...
06/15/2026

Mortgage rates have been on quite a journey.

From double-digit rates in the 1980s to the record lows of 2021, our latest article breaks down the key moments that shaped the mortgage market and what they can teach us about today.
https://myoc.io/joelbalsley/2Hic4



NMLS # 210455

Big dreams start with simple conversations. If a new home is on your horizon, I'd love to help you explore your options....
06/13/2026

Big dreams start with simple conversations. If a new home is on your horizon, I'd love to help you explore your options.
https://myoc.io/joelbalsley



NMLS # 210455

Want a huge advantage over other homebuyers? We’ve got a new way to make your offer more competitive!Atlantic Bay’s Fast...
06/12/2026

Want a huge advantage over other homebuyers? We’ve got a new way to make your offer more competitive!

Atlantic Bay’s Fast Track Buyer Advantage pre-approval process...
• Shows the seller your financing is solid.• Arms you with an offer that can compete with cash.
• Provides a smoother, faster closing process.

Still home shopping? You don’t even need an address to get pre-approved. Call me today to start your application!
https://myoc.io/joelbalsley

NMLS # 210455

June is National Homeownership Month, and an important year-midpoint for our business. 📊Tap the link below for my articl...
06/10/2026

June is National Homeownership Month, and an important year-midpoint for our business. 📊
Tap the link below for my article on becoming the go-to guide for the current market. 🏡
➡️atlanticbay.com/knowledge-center/real-estate-roundup-mid-year-market-update/?utm_source=socialcoach&utm_medium=organic

Want my monthly Round-Up email? just DM me! 📲



NMLS # 210455

The first-time buyer label is actually a lot more flexible than most people realize. It’s less about being a literal beg...
06/08/2026

The first-time buyer label is actually a lot more flexible than most people realize. It’s less about being a literal beginner and more about your current situation. Life changes or previous housing types can sometimes reset your status, giving access to programs designed to get you into a new place with much less stress.

If you think you might fall into one of these categories, let's look at the numbers together. Send a quick message to see where you stand.
https://myoc.io/joelbalsley



NMLS # 210455

Cheers to summer and all the adventures ahead. Wishing everyone in our schools a season filled with family, friends, and...
06/07/2026

Cheers to summer and all the adventures ahead. Wishing everyone in our schools a season filled with family, friends, and plenty of sunshine. ☀️💙



NMLS # 210455

A few minutes today could help you build a plan for tomorrow. Reach out this weekend if I can help with your mortgage qu...
06/05/2026

A few minutes today could help you build a plan for tomorrow. Reach out this weekend if I can help with your mortgage questions.
https://myoc.io/joelbalsley



NMLS # 210455

Every mortgage company and its… mother(?)… have commiserated that homebuying is overwhelming. But that's kind of our who...
06/04/2026

Every mortgage company and its… mother(?)… have commiserated that homebuying is overwhelming. But that's kind of our whole thing. Atlantic Bay connects you with real people, real loan options, and a plan that actually fits your life.

Oh, and if Spanish is your first language? We've got resources for that too. No one gets left out over here. Nope. No this or any month.



NMLS # 210455

Every move creates a new opportunity to build something long-term. For some families, that means turning relocation into...
06/03/2026

Every move creates a new opportunity to build something long-term. For some families, that means turning relocation into equity, future rental income, and long-term financial growth instead of starting over each time.
We broke down how military buyers and other relocating homeowners are using smart financing strategies, housing benefits, and homeownership to build wealth over time, and the approach may be more realistic than many people think.
🔗 atlanticbay.com/knowledge-center/build-wealth-while-moving/?utm_source=socialcoach&utm_medium=organic



NMLS # 210455

Every team in the playoffs has a good coach in their corner, right?Well, homebuyers deserve the same thing.If you're thi...
06/01/2026

Every team in the playoffs has a good coach in their corner, right?
Well, homebuyers deserve the same thing.

If you're thinking about making a move this spring, let's talk. I'd love to be part of your team.
Speaking of teams... who y'all got winning it all?



NMLS # 210455

Address

2350 Electric Road Suite 100
Roanoke, VA
24018

Telephone

+15405978877

Website

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