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
Phenomenal experience. Joel and his team worked hard for me day in and day out. I will recommend them highly to anyone I know.
Reply from Owner
July 9th, 2026 05:08 PM
Thanks so much Chris! It was great working with you and I'm so excited for you. Such an achievement purchasing your first home!
Joel and his team did an amazing job. They made something happen for me that I never thought I would be able to do it and for that I will be forever grateful. I've been blessed with an amazing opportunity because of Joel and everyone he works...
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Reply from Joel Ridings
July 9th, 2026 05:09 PM
Thanks so much Chris! It was great working with you and I'm so excited for you. Such an achievement purchasing your first home!
responsive, knowledgeable and a great help. Will use again in the future
Reply from Joel Ridings
July 9th, 2026 05:13 PM
Thank you so much for the kind words Morgan. And I appreciate you and Mike coming back to me for this purchase :)
Joel and his staff were very accomodating, always helping me throughout the entire process. Joel, specifically, communicated with me almost daily, answering texts and phone calls, to explain things and answer the millions of questions I had!...
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Reply from Joel Ridings
July 9th, 2026 05:14 PM
Thank you so much for the awesome review. We really enjoyed working with you and helping you purchase your new home.
Our first deal even though it didn't close was 10/10 and then the second one started out fine and then it started to get a little rocky towards the end with people being on vacation with no coverage and balls getting dropped and closing being...
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Reply from Joel Ridings
July 9th, 2026 05:30 PM
Riley, I do sincerely apologize for the back and forth with closing while we were trying to get everything finalized. I appreciate the kind words you had to say about me so much.
The best lender ever
Reply from Owner
June 26th, 2026 11:55 AM
Thank you so much! Probably my favorite review ever! It was great working with you
Great communicator and willing to go above and beyond to help his clients.
Reply from Joel Ridings
June 26th, 2026 11:55 AM
Thanks so much for the great review :)
2nd home purchase with Joel and team. Great experience both times. Will not hesitate to reach out for the next purchase. Thanks
Reply from Joel Ridings
June 23rd, 2026 01:09 AM
Thank you so much for the kind words. It is always great working with you and Morgan.
Always answered questions in a timely manner
Reply from Joel Ridings
June 12th, 2026 11:52 AM
Thanks so much for the 5 start review Randall! It was great working with you
"I had a great experience working with Joel. He was absolutely excellent, highly professional, and dedicated throughout the mortgage process. Joel's personal service was top-notch and I truly appreciate his hard work."
Reply from Joel Ridings
June 9th, 2026 08:27 AM
Thank you so much for the amazing review James. It was great working with you and I hope you enjoy your new home!
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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.