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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Very little contact so no opinion
Reply from Joel Ridings
February 27th, 2024 08:50 PM
I appreciate your feedback, Michael. I understand that our communication during your purchase loan process was minimal and I'm sorry if this left you with no strong opinion about our service. At Atlantic Bay Mortgage Group, we continuously...
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Very good communicating.
Reply from Joel Ridings
February 27th, 2024 08:51 PM
I am glad you were pleased with everything. You were great to work with!
Joel was very responsive and supportive throughout the entire closing process. While this was a stressful event, Joel assisted at every obstacle and was always available to us to help with what we needed.
Reply from Joel Ridings
November 29th, 2023 06:50 PM
Thank you so much for the kind words Caroline. It was great working with you all :)
Joel and his team respond quickly and keep the deals moving forward!
Reply from Joel Ridings
February 27th, 2024 08:50 PM
Love working with you Brad! Thank you for all you do!
Atlantic Bay and Joel was a pleasure to work with. I really enjoyed the home buying process with them as my lender. They are really knowledgeable and are able to assist every step of the way.
Definitely would highly recommend 10/10.
Reply from Joel Ridings
February 27th, 2024 08:51 PM
Great working with you as well Tirell! Looking forward to working with you again in the future!
Understood our situation and worked patiently with us. Wasn't spilling out sales gimmicks, offered great advice and treated us respectfully.
Reply from Joel Ridings
November 29th, 2023 06:50 PM
Thank you so much! It was great working with you.
Amanda did great
Reply from Joel Ridings
September 4th, 2024 12:23 PM
I'm really glad to hear your feedback, Tyler. We strive to provide excellent service at Atlantic Bay Mortgage Group and it's great to hear that Amanda was able to assist you effectively. We appreciate your 5-star rating and your decision to...
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Amanda Jones & Ashley were fab from the initial meeting until Joel took over. And Joel got us to the finish line! Thank you!
Reply from Joel Ridings
September 4th, 2024 12:24 PM
I'm thrilled to hear that you had a great experience with both Amanda and Ashley and I'm glad I could help get you over the finish line! Your positive feedback means a lot to the entire team here at Atlantic Bay Mortgage Group. Thank you for...
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Joel is AWESOME.!! This is my second purchase working with him and I love his overall customer service. He replies quickly and diligently and is so real when it comes to the numbers. I’ll be using him for future purchases as well !
Reply from Joel Ridings
November 29th, 2023 06:50 PM
Thank you so much D'Andrea :)
Joel and his Team were Professional, Communicated Well, and met All Contractual Obligations. They provided my client and I with Excellent Service! 10/10
Reply from Owner
August 27th, 2026 10:44 PM
Thank you so much, Valerie!
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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.