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
Excellent communication and very informative. Made this process easy and stress free.
Reply from Joel Ridings
May 17th, 2024 12:53 PM
Thanks for the fantastic review, Tyler! I'm thrilled to know that you found our communication excellent and informative. Nothing pleases me more than to hear that the process was easy and stress-free for you. Here at Atlantic Bay Mortgage Group,...
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Thank you!
Reply from Joel Ridings
May 17th, 2024 12:54 PM
I'm so glad to hear that you had a positive experience, Mary! Your kind words mean a lot. I appreciate you choosing Atlantic Bay Mortgage Group for your construction perm loan. We always strive to meet our client's needs, and your feedback...
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Joel C. Ridings has received a review with 5 star rating from Donna T
Reply from Owner
September 1st, 2026 02:24 PM
Thank you so much for the great review!
Great experience and would recommend to anyone needing a mortgage. Thank you Joel
Reply from Joel Ridings
May 17th, 2024 12:54 PM
I'm glad to hear that your experience with Atlantic Bay Mortgage Group was a positive one, Jonathan. It was a pleasure assisting you and I'm grateful for your high rating and recommendation. I'm here for any future mortgage needs. Thanks for...
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Joel and his team have been so great to work with. He answered all of questions throughout our process. Kelly also helped keep us up to date on where we were and what was needed from us and streamlined the process. Thank you all so much for...
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Reply from Joel Ridings
May 17th, 2024 12:55 PM
Hi Jessica! I'm thrilled to hear that you had a great experience with our team here at Atlantic Bay Mortgage Group. Your feedback made me smile – it's fantastic to hear that we were able to answer all your questions and keep you up to date...
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Way too much repetitive paperwork!
Reply from Joel Ridings
September 3rd, 2024 08:01 PM
Sorry about all the paperwork! I know buying a home can be stressful. I wish it was easier, but we must due our due diligence to make sure we do everything we are required to do to get your loan closed.
Thank you for your help in securing our new home! Joel was very helpful in putting together scenarios and projections. Kelly was great. She went above and beyond in ensuring that everything was seamless and the entire process was glitch free....
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Reply from Joel Ridings
September 3rd, 2024 08:01 PM
Thank you so much for the great review. I really enjoyed working with you and hope things are going well.
We have thoroughly enjoyed working with Joel and his awesome team. They have the smoothest transactions I’ve ever experienced with a mortgage company. A lender that has treated us like family throughout the entire process. I look forward to...
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Reply from Joel Ridings
September 3rd, 2024 08:02 PM
Thank you so much for the kind words and great review! You were so great to work with, as usual :)
This like the 3rd or 4th time we have used Joel and his Atlantic Bay team, and every experience gets better and better. Every time we called or texted him he was quick to respond even when he was sick. He/ they are really dedicated to their...
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Reply from Joel Ridings
September 4th, 2024 12:24 PM
Daniel, thank you so much for your incredible feedback and the 5-star rating. It's always been a pleasure working with you. Your loyalty to Atlantic Bay Mortgage Group and to me personally speaks volumes and I'm glad to know that you've been...
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Very professional and a pleasure to work with
Reply from Joel Ridings
September 4th, 2024 12:25 PM
I'm truly grateful for your trust and your time, Dwight. Your positive feedback means a lot to me. I'm glad to hear that you found our process professional and pleasant. Here at Atlantic Bay Mortgage Group, it is always our goal to provide...
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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.