Julie Smallwood, Senior Mortgage Banker at Atlantic Bay Mortgage Group

09/17/2026

When questions come up, experience and communication can make all the difference.
https://myoc.io/JulieAnneSmallwood

NMLS # 1074434

09/16/2026

Good news for Virginia homebuyers: financing options have expanded for manufactured homes.

More properties may now be eligible for conventional financing, creating another potential path to homeownership for qualified buyers.

Have a manufactured home or listing in mind? Send me the property address early so we can review the details and explore your options.
https://myoc.io/JulieAnneSmallwood

NMLS # 1074434

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/JulieAnneSmallwood



NMLS # 1074434

09/15/2026

5.0 star review received on Experience.com for Julie Smallwood by Tyler B - Made it very easy and everybody was very knowledgeable!

Click to see all 117 reviews of Julie Smallwood, Senior Mortgage Banker

09/13/2026

Ready to take the next step? Call or text me today, and let’s find the right financing option for you.

Julie Anne Smallwood
📱 (540) 448-7263
📧 [email protected]
🌐 atlanticbay.com/julieannesmallwood
NMLS #1074434

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 # 1074434

09/09/2026

Every client deserves to feel heard, supported and confident throughout the process. That is the standard I work to provide every time. 💙

Atlantic Bay Mortgage Group

JulieAnneSmallwood.com

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 # 1074434

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/JulieAnneSmallwood



NMLS # 1074434