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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Joel C. Ridings has received a review with 5 star rating from Sara H
Reply from Owner
August 27th, 2026 10:45 PM
Thank you for the 5 star review!
From start to finish Joel made the experience as stress free as possible. He was consistently available for any questions whether it was during the business day or not. He made our process virtually seamless.
Reply from Joel Ridings
September 17th, 2024 12:31 PM
Thank you so much for the 5-star rating, Sara! I'm thrilled to hear your experience was as stress-free as possible. That's always my goal. I understand this can be a complex process, so I make sure to be available whenever you need me to answer...
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Everything was great, in the future can we maximize the points if the seller agrees to pay for closing
Reply from Joel Ridings
September 17th, 2024 12:31 PM
I appreciate your feedback, Robert. Your suggestion about maximizing the points if the seller agrees to pay for closing is noted and will definitely be considered in future transactions. I'm glad that your experience with Atlantic Bay Mortgage...
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I enjoyed working with you! You are amazing, professional and honest. I am thankful for you and your staff.
Reply from Joel Ridings
September 17th, 2024 12:32 PM
I'm thrilled to hear that you enjoyed your experience working with us, Andrea. Your kind words about my professionalism and honesty truly mean a lot. It was a pleasure assisting you with your loan, and rest assured, my team and I at Atlantic...
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Extremely helpful and the entire experience was simple and easy
Reply from Joel Ridings
September 17th, 2024 12:32 PM
I'm thrilled to hear that you found our process to be simple and easy, Thomas. At Atlantic Bay Mortgage Group, we always strive to make the loan experience as seamless and stress-free as possible for our clients. Your positive feedback reaffirms...
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It was great working with you, thanks for all your help.
Reply from Joel Ridings
September 17th, 2024 12:33 PM
I'm overjoyed to hear that you had a positive experience working with me on your loan. Your satisfaction is my top priority, and your feedback is incredibly valuable to us at Atlantic Bay Mortgage Group. I'm here for you anytime you need help...
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Everything was perfect and done right
Reply from Joel Ridings
November 12th, 2024 06:30 PM
I'm so glad to hear that you had a great experience with your loan process at Atlantic Bay Mortgage Group, Kyesha. Your feedback means a lot to me. It's my goal to ensure everything is done right and perfect. Don't hesitate to reach out if...
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Everyone was a pleasure to work with!
Reply from Joel Ridings
November 12th, 2024 06:30 PM
I'm thrilled to hear that you had a positive experience with us, Richard. We really try to make the loan process as seamless and enjoyable as possible for our clients. Your kind words and five-star rating mean a lot to me and the entire team...
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Your availability and quick responses were highly valued.
Reply from Joel Ridings
November 12th, 2024 06:39 PM
I'm really happy to hear that you appreciated my quick responses and availability, Mathew. Your satisfaction is my top priority at Atlantic Bay Mortgage Group. Thank you for the stellar 5-star review, it means a lot to me. If you need any more...
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I love working with you and your team. You made it as painful as possible for me both times. Thank you so much.
Reply from Joel Ridings
November 12th, 2024 06:42 PM
Thank you, Jennifer, for the 5-star rating and your kind words. I'm really glad to hear that you had a positive experience working with me and my team at Atlantic Bay Mortgage Group. Your satisfaction is our priority, and we strive to 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.