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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Joel C. Ridings has received a review with 5 star rating from Eric B
Reply from Owner
August 27th, 2026 10:43 PM
Thanks so much for the 5 star review, Eric!
Buying a home is a nightmare but they got us through it
Reply from Joel Ridings
October 21st, 2024 12:43 PM
Thanks for the 5-star review, Eric! Buying a home can definitely be tough, but glad we were able to get it done for you so you can enjoy your new home.
The lending process was made pretty easy and painless, especially considering the unique nature of our land + construction loan. Joel and his team were very good about keeping us updated throughout the process and we are very happy with the...
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Reply from Owner
August 27th, 2026 10:43 PM
Thank you so much for the kind words and great review, Allison!
The lending process was made pretty easy and painless, especially considering the unique nature of our land + construction loan.
Reply from Joel Ridings
October 21st, 2024 12:42 PM
Thank you so much for the great review, Allison! Can't wait for your new home to be finished so you can start enjoying it.
Less Repeated document submissions.
Reply from Joel Ridings
October 14th, 2024 01:45 PM
Hey Austin! Thanks for the 5 star review. I know there is a ton of documentation required when buying a house, and it can seem repetitive. I wish there was an easier way. But glad you all were able to get in your home and hope you enjoy it...
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Thank you for jumping in at the last minute and getting the job done.
Reply from Joel Ridings
September 17th, 2024 12:30 PM
You are very welcome! Glad that we were able to help you get in your new home. Welcome to Greenwood!
Working with Joel was really seamless and easy, he made everything very transparent. I would definitely work with him again.
Reply from Joel Ridings
September 5th, 2024 03:47 PM
Thank you so much for the kind words and great review Tara! Hope you all are able to getting settled in your new home :)
The Atlantic Bay Team was great I would recommend them to anyone who's interested in buying a home especially first time buyers they take the worry out of buying a home. The whole Ridings Team was great an it was a pleasure working with them...
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Reply from Owner
August 27th, 2026 10:44 PM
Than in you so much for your kind words and 5 star review!
I don't have any feedback because everything in the process of buying a home went smoothly and everyone was so helpful. I would like to thank you and your team for a great experience in buying a home.
Reply from Joel Ridings
September 3rd, 2024 07:57 PM
I am so glad to hear that Deborah. And I am so happy for you and your family! Enjoy your new home :)
Joel & Kath and the team are great.
Reply from Joel Ridings
September 3rd, 2024 07:58 PM
Thank you Lawson! So glad you were able to find the right home for you. Hope you enjoy it!
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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
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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.