Atlantic Bay Mortgage Group - Charlottesville, VA

Excellent experience working with Matt Hodges with Gray Fox Mortgage. He went above and beyond the mortgage process itself by providing clear guidance, thoughtful advice, and valuable financial insights that helped us us made confident and sound decisions. Professional, knowledgeable, friendly, and genuinely looked out for our best interests. Also he got us the best rates at the time. Highly recommend. Cheers, Huaxun & Xiaorang

We had such an incredible experience working with Julie on our mortgage. From the very beginning, she was positive, encouraging, and truly made us feel supported. Before finding her, we were feeling frustrated and overwhelmed—other lenders just didn’t take the time to explain things in a way we could understand. I made a post on Facebook asking for recommendations, and several people suggested Julie. Reaching out to her was the best decision we could’ve made. She walked us through every step of the construction loan process with so much patience and clarity. We never felt lost or unsure—she truly made it all manageable. Julie went above and beyond, and I honestly can’t imagine having gone through this process with anyone else. She’s a gem! The rest of her team was also great—they worked ha

Matt and his team were absolutely the best. He guided me through the process, was available when I had questions, and just made everything as easy as possible. Even when things didnt go according to plan, they got to work and made a new one without any delays.

⭐️⭐️⭐️⭐️⭐️ I had an absolutely incredible experience working with Julie Smallwood with Atlantic Bay during the home-buying process. She was everything you could hope for—friendly, kind, professional, and extremely knowledgeable. From start to finish, Julie made the entire process smooth and stress-free. Her communication was prompt and clear, and she handled every detail with efficiency and care. I truly felt like Julie was in my corner the whole time, and I’m so grateful for her support and expertise. If you’re looking to finance a home, I can’t recommend Julie Smallwood with Atlantic Bay highly enough—she made a complex process feel easy and even enjoyable.

It was a great pleasure working with Matt. He was incredibly responsive, answering all my questions and guiding me through both the offer and closing process. I would highly recommend Matt’s services, especially to anyone new to the home buying journey, thanks to his patience, clear communication, and extensive experience in the mortgage space.