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
Always answered the phone or text. Never put through the ringer trying to make contact. Staff was very professional and extremely helpful. 2nd time using Jo and his crew and couldn't be happier with their service.
Reply from Joel Ridings
August 13th, 2024 03:44 PM
Thanks so much for the awesome review Tyler. Really enjoyed working with you and Halee again! Hope you enjoy your new home, and let me know about those goats lol
None at this time
Reply from Joel Ridings
August 9th, 2024 12:40 PM
Thank you so much for the review Valorie! Hope you all are enjoying your new home.
It has been an extreme pleasure doing business with Atlantic Bay Mortgage. Everyone I talked to was very knowledgeable and helpful. Joel even took the time to talk to me while he was on vacation with his family. That showed me the dedication...
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Reply from Joel Ridings
July 30th, 2024 08:36 AM
Thank you so much for your kind words Franklin. I am so happy everything worked out for you to get your new home, and it was great working with you.
Thank you for your hard work to keep everything moving!
Reply from Joel Ridings
July 30th, 2024 08:36 AM
You are very welcome! It was a pleasure working with you :)
We appreciate how quickly the mishaps were taken care of and how overall communication was.
Reply from Joel Ridings
July 30th, 2024 08:37 AM
Glad you were able to get your new home, Austin. It was great working with you.
Joel made the first time home buying process easy ! I will be using Joel for my future real estate needs.
Reply from Joel Ridings
July 30th, 2024 08:38 AM
Thank you so much, Brian. I really appreciate that. It was great working with you and Emily.
Joel provided the best experience I have ever had getting a mortgage.
Reply from Joel Ridings
July 5th, 2024 03:52 PM
Thank you so much for the kind words Bradley! Great working with you and I hope you enjoy your new home!
Joel and his team made my refinance a smooth transaction. Any bumps in the road Joel and his team took care of it.
Reply from Joel Ridings
July 5th, 2024 03:52 PM
Thank you so much for the great review Tai!
Answered questions in a timely manner
Reply from Joel Ridings
May 14th, 2024 03:11 PM
Great working with you and Jeff. Thank you so much :)
I highly recommend the Ridings/Poore team for any home purchase or refinance. They are true pros who genuinely care!
Reply from Owner
September 1st, 2026 02:24 PM
Thank you, Melissa, for your wonderful recommendation. Your kind words mean a lot to us!
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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.