Julie Smallwood, Senior Mortgage Banker at Atlantic Bay Mortgage Group

10/01/2026

Coming soon! Look for a change with Fannie Mae and Freddie Mac appraisals!

Starting November 2, 2026, they’ll roll out UAD 3.6. Reports will look a little different, but the goal is happier users through more standardized data in a clearer format.
Former UAD 2.6 appraisals won’t be accepted after the clock strikes midnight November 2. 🕰️
I’ve got all the details you need to know – just reach out!



NMLS # 1074434

09/30/2026

This is what I love about Atlantic Bay. I get to work with people who care about each other and the families we serve. Thankful to be part of this team! 🏡

Thinking about buying a home in the Shenandoah Valley? I’d love to hear your plans and help you get started. Let’s talk!

09/30/2026

The headlines don’t always tell the whole story.

The Fed just raised its base rate to try and slow inflation.

But the Fed rate is for short-term lending like credit cards. Mortgage rates tend to reflect the bond market and economic conditions.

So if you find a home you love, don’t sit on the sidelines – talk to us to make a plan!
https://myoc.io/JulieAnneSmallwood

NMLS # 1074434

09/30/2026

5.0 star review received on Experience.com for Julie Smallwood by Yvonne E - Julie was absoluty amazing to work with. She certainly endured a lot dealing with me, but never once did she make me feel like a burden. I was truly blessed to have someone to walk me through every step of the way and to help me make my dream come true. Thank you, Julie for your caring.

Click to see all 121 reviews of Julie Smallwood, Senior Mortgage Banker

09/29/2026

Great news for conventional buyers!
We’ve raised our one-unit conforming loan limit to $845,000 (up from $832,750)!
We're getting ahead of the FHFA's official 2027 announcement so more buyers can enjoy the benefits of Freddie Mac/Fannie Mae conventional financing—without needing a jumbo loan.
Looking for a higher-priced home? Let's see what’s possible!
https://myoc.io/JulieAnneSmallwood



NMLS # 1074434

09/27/2026

5.0 star review received on Experience.com for Julie Smallwood by Danny C - Julie and her team were prompt, professional, very helpful, and friendly

Click to see all 120 reviews of Julie Smallwood, Senior Mortgage Banker

09/26/2026

Weekend support 📲
Found a home you love? Helping a buyer put together an offer? Don’t wait until Monday to reach out with financing questions. DM or text me this weekend. Let’s work through the next steps together!
https://myoc.io/JulieAnneSmallwood



NMLS # 1074434

09/24/2026

5.0 star review received on Experience.com for Julie Smallwood by Julia F - Julie was super helpful and communitcative. She checked in, and provided clear and concise information.

Click to see all 118 reviews of Julie Smallwood, Senior Mortgage Banker

09/24/2026

Listen to Django and Hildi! DM or texted me today.

julieannesmallwood.com

09/24/2026

🎲 Ready to play the homebuying game and actually win?
(We promise this won’t take forever to finish, too 😉)
Take your first step today and let’s roll 👉
https://myoc.io/JulieAnneSmallwood



NMLS # 1074434