Financing

Atlantic Bay Mortgage, NMLS # 72043
1611 E Main St
Salem, Virginia 24153
http://www.atlanticbay.com/joelbalsley

Atlantic Bay Financing Options

At Atlantic Bay Mortgage Group, we pride ourselves on making the mortgage loan process quick and easy. With our experienced team, we can assist you in finding the right mortgage and close on your loan in as little as 29 days.
Conventional

Low closing costs, flexible payment options
5% down usually required, can't come as a giftJoel Balsey
Fixed & adjustable rates available

FHA (Federal Housing Administration)

3.5% down required, can come as a gift
FHA 203(k) loan available, for fixer-upper properties
Used to buy & refinance a variety of home types
Fixed & adjustable rates available

USDA (United States Dept. of Agriculture)

For buying homes in rural areas, 30-year fixed rate
No down payment required
30-year fixed rate comparable to conventional loan rates
USDA direct loan available for low income buyers

VA (Veterans Administration)

For members & veterans of the Armed Services
No down payment or monthly mortgage insurance required
Rates usually better than conventional loan rates
Used to buy & refinance a variety of home types
Fixed & adjustable rates available

HARP

No Appraisal Options
Even if your home is valued less than your mortgage we may be able to help
For VA, FHA or Conventional Mortgages


Joel Balsley
Joel Balsley
Mortgage Banker
(540) 278-1430
NMLS #210455

Atlantic Bay Financing Options At Atlantic Bay Mortgage Group, we pride ourselves on making the mortgage loan process quick and easy. With our experienced team, we can assist you in finding the right mortgage and close on your loan in as little as 29 days. Conventional Low closing costs, flexible payment options 5% down usually required, can't come as a giftJoel Balsey Fixed & adjustable rates available FHA (Federal Housing Administration) 3.5% down required, can come as a gift FHA 203(k) loan available, for fixer-upper properties Used to buy & refinance a variety of home types Fixed & adjustable rates available USDA (United States Dept. of Agriculture) For buying homes in rural areas, 30-year fixed rate No down payment required 30-year fixed rate comparable to conventional loan rates USDA direct loan available for low income buyers VA (Veterans Administration) For members & veterans of the Armed Services No down payment or monthly mortgage insurance required Rates usually better than conventional loan rates Used to buy & refinance a variety of home types Fixed & adjustable rates available HARP No Appraisal Options Even if your home is valued less than your mortgage we may be able to help For VA, FHA or Conventional Mortgages Contact Joel Balsley Today!

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* Joel Balsley NMLS# 210455 | Atlantic Bay Mortgage Group NMLS# 72043 | Consumer Access Website - www.nmlsconsumeraccess.org

Equal Opportunity Lender