

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
Joel and his Team were Professional, Communicated well, and met all Contractual obligations . They provided my client and I with Exceptional Service! 10/10
Reply from Joel Ridings
February 28th, 2024 08:02 PM
Thank you so much for the kind words. It was great working with you :)
Everything done on time and always pleasant to work with!
Reply from Joel Ridings
February 28th, 2024 08:03 PM
Thank you so much for the kind words, Martha! Always great working with you.
Great service it was a pleasure working with this team. Very professional and made the process of buying a home very easy and simple.
Reply from Joel Ridings
February 29th, 2024 06:22 PM
Great working with you as well!
Joel was knowledgeable, responsive and very helpful in guiding us through all of the home purchase processes.
We had many questions, and Joel very quickly responded to all.
The closing went very smoothly.
We highly recommend Joel.
Reply from Joel Ridings
February 29th, 2024 06:23 PM
So glad you all were happy with everything. It was great working with you!
Katherine was very helpful. She answered every question I had in a timely manner. She gave great expectations for every part of the home buying process so I wouldn’t be surprised by anything. I would definitely recommend Katherine’s services...
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Reply from Owner
August 27th, 2026 10:44 PM
Thanks for leaving us such a great review!
Mr. Ridings was very efficient and responsive to our needs and concerns. All of the staff that I interacted with were very pleasant, helpful, and professional.
Reply from Joel Ridings
May 14th, 2024 03:12 PM
Thank you so much for the kind words! I hope you are enjoying your home.
Appreciate your patience with all our questions and your willingness to provide anything we ask for. Will not hesitate to recommend you to our friends & acquaintances.
Reply from Joel Ridings
September 3rd, 2024 07:59 PM
You are very welcome! We always appreciate referrals. Hope things are going well for you in your new home.
I was the listing agent, but Joel and his team kept me in the loop about the buyer and where they were in the process all the way to closing.
Reply from Joel Ridings
May 14th, 2024 03:13 PM
Always great working with you Dana :)
You and your team are always right there and answer all questions that are needed and get the job done in a professional manner. It's always a pleasure to work with you and your company.
Reply from Joel Ridings
May 14th, 2024 03:13 PM
Thank you so much for the kind words Tina! Always great working with you
great communication
Reply from Joel Ridings
May 14th, 2024 03:13 PM
Thank you so much!
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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.