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
Anne G
Greenwood, SC
Posted on September 23rd, 2022 04:44 PM
Professionalism and availability.
Reply from Joel Ridings
May 14th, 2024 03:14 PM
Thank you so much, Anne! Always enjoy working with you.
Joel Ridings and his team at Atlantic Bay Mortgage went over and beyond. They were along for the whole entire ride. They gave me the best customer service any buyer could ask for! They supported my emotional roller coaster with nothing but...
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Reply from Joel Ridings
May 17th, 2024 12:50 PM
Thank you so much, Jennifer, for the outstanding review! It was an absolute pleasure assisting you throughout the process and providing the best customer service possible. It's wonderful to hear that you're happy with your new home and your...
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Always kept me in the loop for any and all circumstances surrounding my home refinance.
Reply from Joel Ridings
May 17th, 2024 12:51 PM
I'm so glad to hear that you felt well-informed throughout your refinancing process, Justin. Maintaining open communication is a top priority for me at Atlantic Bay Mortgage Group, so it's great to know that you were satisfied with that aspect...
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Incredibly responsive, friendly, and easy to work with. Answered all of our questions in great detail and made sure we understood those answers which made our first home buying experience very comfortable. Also gave us beer. Beer is good.
Reply from Joel Ridings
November 29th, 2023 06:50 PM
Thank you so much for the awesome review! I agree, beer is good :)
We were pleased how with easy it was to work everyone.
Reply from Joel Ridings
May 17th, 2024 12:51 PM
I'm really glad to hear that you found our process easy and that you were pleased with our service, Billy. Here at Atlantic Bay Mortgage Group, we always strive to provide the best experience to our customers. Thank you for taking the time...
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Friendly, very helpful in the home buying process, and just a kind human!
Reply from Joel Ridings
November 29th, 2023 06:50 PM
Thank you so much Catherine! Y'all were amazing to work with and I really appreciate it.
Joel knows his business.
Reply from Joel Ridings
May 17th, 2024 12:51 PM
I appreciate your positive feedback, William. It's encouraging to hear that you acknowledge my expertise in this field. I strive to deliver the best possible service! If you have any questions in the future or if there’s anything more I can...
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Thanks for everything Joel,, your team did an outstanding job on helping me with my the purchase my home.
Reply from Joel Ridings
May 17th, 2024 12:52 PM
I'm truly appreciative of your kind words, Mary. It's fantastic to hear that my team and I were able to assist you effectively in your home purchase. Your satisfaction is our utmost priority at Atlantic Bay Mortgage Group, and reviews like...
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Joel Ridings Cory Miller n Kelly McVay n team did an awesome job .. I will highly recommend this company . Thank you guys so much for the hard work n great customer service.
Reply from Joel Ridings
May 17th, 2024 12:53 PM
I'm absolutely thrilled to hear that you had such a positive experience with our team, Latori! We pride ourselves on providing the best customer service possible and it's always rewarding to hear when we've achieved that. Thank you for taking...
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Joel is the best! He is supportive and understanding. He doesn’t mind all your questions and is genuinely happy to help! I’ve used him twice because he makes the whole process seem so much easier!
Reply from Joel Ridings
May 17th, 2024 12:53 PM
I'm incredibly grateful for your kind words, Kate! It's always a pleasure assisting you with your loan process. Your questions are welcome anytime, they make the procedure more clear and personalized. I'm thrilled to know that I could make...
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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.