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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I would recommend Joel to anyone he was wonderful and extreamly helpful to my husband and I as we were first time home buyers and didn’t have a clue as to all the information that we would need!! He walked us through everything and even worked...
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Reply from Joel Ridings
March 5th, 2024 08:37 AM
Thank you so much. I really enjoyed working with you, and so glad that I could help!
We had originally contacted another mortgage company. After several attempts to get someone to call me back and just send me an application . I decided to take a friends advice and call Joel . He and Atlantic Bay Mortgage was everything they...
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Reply from Joel Ridings
March 5th, 2024 08:37 AM
Thank you so much. I am glad that we were able to make the home buying process easy and enjoyable for you. I am grateful I was able to do business with you and your husband.
We had the pleasure of working with Joel Ridings from Atlantic Bay Mortgage Group on the purchase of our home in Greenwood, SC. I wish I could adequately describe what a great experience it was working with him. Joel is extremely knowledgeable...
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We started working with Joel when the original loan officer/lender we were using messed up and almost caused us to lose the house we were buying. The difference between Joel and the other lender was night and day. Joel is all around the best...
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Joel was very helpful in every way and could answer any question I had.. He was veer responsive at all times. Even helped ij finding the home and was very direct om everything I needed. I would highly recommend him to anyone.
Joel was excellent and i highly reccomend him. He was always available, answered all my questions and made the lender process smooth and easy. It was a pleasure working with him.
Joel is the man! Such a great support and is always on time and ready for anything thrown his way.
5 star customer review
This entire process was very simple.
Joel and his team were so easy to work with and available for any questions.
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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.