Joel Ridings
Area Manager
I understand that no two homebuyers are alike. That's why I find the best financing situations to fit your unique needs.
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2nd home purchase with Joel and team. Great experience both times. Will not hesitate to reach out for the next purchase. Thanks
Reply from Joel Ridings
June 23rd, 2026 01:09 AM
Thank you so much for the kind words. It is always great working with you and Morgan.
My loan file remained open for over 50 days, and after I requested clarification regarding an underwriting calculation, the application was reassigned. The experience was frustrating and did not meet my expectations.
Joel, I asked for a phone call to correct an error, but you nuked the deal. Your team had the file for over 50 days, only to wait until now to look at the tax documents, misread them, and ignore my wife’s income entirely. When I asked for a...
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I submitted my loan application and supporting documents more than 50 days before receiving a response. During the process, I raised concerns about how my income information was being evaluated and requested a phone call to discuss the underwriting...
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Always answered questions in a timely manner
Reply from Joel Ridings
June 12th, 2026 11:52 AM
Thanks so much for the 5 start review Randall! It was great working with you
"I had a great experience working with Joel. He was absolutely excellent, highly professional, and dedicated throughout the mortgage process. Joel's personal service was top-notch and I truly appreciate his hard work."
Reply from Joel Ridings
June 9th, 2026 08:27 AM
Thank you so much for the amazing review James. It was great working with you and I hope you enjoy your new home!
He was helpful in explaining the PHP program and the ins and outs of the loan process
Joel Ridings has received a review with 5 star rating from Kenneth C
Reply from Owner
June 9th, 2026 08:27 AM
Thank you so much Kenneth! I hope you enjoy your new home
Joel was honest the whole process and walked me through everything me and my wife needed to do.
Reply from Joel Ridings
June 1st, 2026 01:31 PM
I'm so glad to hear that you felt supported throughout the process, Kenneth. It's great to know that my guidance was helpful to you and your wife. Thank you for your kind words.
I cannot thank joel and his team enough! They went above and beyond to get me to the closing table. Joel was friendly, helpful, and very communicative throughout the entire process. This is the team you want if you are in the market for a mortgage!...
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Reply from Owner
June 1st, 2026 01:32 PM
You are so welcome Kady! And thank you so much for the kind words :)
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About
I understand that no two homebuyers are alike. That's why I find the best financing situations to fit your unique needs.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Mortgage Refinance
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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Search Rank ScoreLearn More →
511
/850
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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
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.