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
Joel was amazing. We have been looking at house for a few years trying to find the right one in our budget. He was great at helping us run the numbers and never got aggravated or with all the questions texts and phone calls. He was always eager...
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Reply from Joel Ridings
February 24th, 2026 07:39 PM
Thank you so much for the great review! It was great working with you.
Great working with you guys
Reply from Joel Ridings
January 26th, 2026 07:16 PM
Thank you so much for the great review Sherlyn. It was great working with you and I am so glad you are in your new home.
Joel C. Ridings has received a review with 5 star rating from George H
Reply from Owner
January 14th, 2026 12:49 PM
Thank you, George!
Mr. Ridings and his entire staff were very pleasant and extremely helpful in the process of my obtaining a Mortgage to purchase our new home. It was a pleasure doing business with the entire staff, I will recomend them to anybody I know who...
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Reply from Joel Ridings
January 12th, 2026 04:04 PM
Thank you so much for the kind words and great review. It was great working with you, and I hope you enjoy your new home!
Very patient, fast to answer any of my questions, nice and always willing to help me
Reply from Joel Ridings
January 12th, 2026 04:04 PM
Thank you so much for the great review Maria. We enjoyed working with you and are so excited for you.
I want to thank you and your team for your assistance and professionalism.
Reply from Joel Ridings
December 22nd, 2025 03:18 PM
Thank you for the kind words and great review. It was great working with you all and I hope you enjoy your new home.
We had a great experience and were treated very well.
Reply from Joel Ridings
December 15th, 2025 08:10 PM
Thank you so much for the great review and kind words. It was great working with you and Nate. i hope you enjoy your new home.
The process was smooth. The communication was great.
Reply from Joel Ridings
December 14th, 2025 09:14 PM
Thank you so much for the great review! It was awesome working with you. I hope you enjoy your new home.
Joel C. Ridings has received a review with 5 star rating from Mattison D
Reply from Owner
January 14th, 2026 12:49 PM
Thank you so much!! It was great working with you
This was the beat loan process ever! Joel and his team were there every step of the way and helped me with every detail in buying my new home
Reply from Joel Ridings
December 9th, 2025 06:41 PM
Thank you so much for the great review Mattison! I am so happy that we were able to help you buy your first 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
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.