Joel C. Ridings
Area Manager
Helping You Finance Homeownership with Confidence | Local Trusted Mortgage Banker As a dedicated and experienced mortgage banker, I help homebuyers and homeowners across the Southeast secure the right loan for their unique financial goals. ... Show More
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Reviews from Web
Completely pleasant and professional experience. Joel's accuracy, experience, transparency and detailed explanations made the process a great experience. Not to mention the additional time he spent getting set up with a new builder. Thank you...
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Appreciate all the
Reply from Joel Ridings
August 11th, 2026 07:33 PM
Thanks so much for the nice review Grason. I hope you are enjoying your new home.
Joel and the entire Atlantic Bay team were always very responsive and helpful with all of our questions. they made the whole process as easy for us as possible.
Reply from Joel Ridings
August 3rd, 2026 02:26 PM
Thank you so much for the great review and kind words. I am so glad that everything worked out and we you were able to close on your new home!
Joel was always available to us when we needed him. He went above and beyond expectations!!!
Reply from Owner
August 3rd, 2026 02:27 PM
Thank you so much Cheryl! You and Gary were a joy to work with and I am so excited for you.
Joel and his team went above and beyond the normal mortgage process to help us get final approval and closing paperwork done. We had difficult circumstances for the process to get done but Joel and his team were there every step of the way....
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Reply from Joel Ridings
July 13th, 2026 05:55 PM
Thank you so much for your kind words Gary. It was great working with you and I hope you enjoy your new home!
Joel was a big help in navigating the loan process
Reply from Joel Ridings
July 13th, 2026 05:56 PM
Thank you for the 5-star review, Cheryl! It was great working with you and I am so happy for you and Gary!
Phenomenal experience. Joel and his team worked hard for me day in and day out. I will recommend them highly to anyone I know.
Reply from Owner
July 9th, 2026 05:08 PM
Thanks so much Chris! It was great working with you and I'm so excited for you. Such an achievement purchasing your first home!
Joel and his team did an amazing job. They made something happen for me that I never thought I would be able to do it and for that I will be forever grateful. I've been blessed with an amazing opportunity because of Joel and everyone he works...
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Reply from Joel Ridings
July 9th, 2026 05:09 PM
Thanks so much Chris! It was great working with you and I'm so excited for you. Such an achievement purchasing your first home!
responsive, knowledgeable and a great help. Will use again in the future
Reply from Joel Ridings
July 9th, 2026 05:13 PM
Thank you so much for the kind words Morgan. And I appreciate you and Mike coming back to me for this purchase :)
Joel and his staff were very accomodating, always helping me throughout the entire process. Joel, specifically, communicated with me almost daily, answering texts and phone calls, to explain things and answer the millions of questions I had!...
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Reply from Joel Ridings
July 9th, 2026 05:14 PM
Thank you so much for the awesome review. We really enjoyed working with you and helping you purchase your new home.
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About
Helping You Finance Homeownership with Confidence | Local Trusted Mortgage Banker As a dedicated and experienced mortgage banker, I help homebuyers and homeowners across the Southeast secure the right loan for their unique financial goals. Whether you’re buying your first home, upgrading, refinancing, or investing, I provide clear guidance, fast approvals, and personalized service every step of the way. ✅ Conventional, FHA, VA, USDA, and Jumbo Loans ✅ First-Time Buyer Programs ✅ Credit & Income Strategy Guidance ✅ Local Expertise + Seamless Communication ✅ Fast, Reliable Pre-Approvals Let’s turn your homeownership goals into reality. Call or message today for a free consultation!
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Adjustable Rate Mortgages
USDA Loans
Cash-Out Refinances
Bank Statement Loans
Specialities
Conventional Mortgage
FHA Mortgage
USDA Mortgage
VA Mortgage
Conventional, FHA, USDA, and VA Construction Loans
Down Payment Assistance Programs
Conventional, FHA, and VA Renovation Loans
Cash Out Refinance
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Memberships
- Greenwood, SC Chamber of Commerce
- Lakelands Homebuilders Association
- Greenwood Association of Realtors
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2017
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 1476316
- Licensed in FL, GA#1476316, NC, SC, TX, VA, & PA
Gallery
Awards
Achievements
- Richie May - Top Purchase Lender in Greenwood, SC 2020, 2021, 2022, 2023
Hobbies
- Gardening
- Home remodeling and renovation
- Boating
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Disclaimer
© 2024 Atlantic Bay Mortgage Group
Loan programs may change at any time with or without notice. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Housing Lender. Located at 600 Lynnhaven Parkway Suite 100 Virginia Beach, VA 23452.