

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
Thank you for helping me make my dream come true. Thank you for the excellent customer service.
Reply from Joel Ridings
August 13th, 2024 03:47 PM
You are so welcome! glad to be a part of it :)
Joel C. Ridings has received a review with 5 star rating from Angela E V
Great job!!thanks for everything!wouldn't change a thing continue given it your best.
Reply from Joel Ridings
August 13th, 2024 03:47 PM
Thank you so much for the kind words :)
The Alantic Bay team was very professional,they was always there when you needed them, answered all questions, responded to all phone calls even if I left voicemails in a timely manner....GREAT TEAM!!
Reply from Joel Ridings
August 13th, 2024 03:48 PM
Thank you so much for the awesome review Lakeisha :)
I am not a local native. Had never met Joel and actually had another mortgage contact I had used in the past.My realtor mentioned if that didn’t work out Joel was a good one to call too. I don’t know why I called him but I did.Joel and his...
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Reply from Joel Ridings
August 13th, 2024 03:49 PM
Thank you so much for all the kind words. So glad I was able to help, and really enjoyed working with you :)
Joel and his team was very helpful and I'm very thankful for him.
Joel and Katherine we’re both very knowledgeable and excellent to work with. They’re quick to return a telephone call and willing to answer any question you might have.
Reply from Joel Ridings
August 13th, 2024 03:49 PM
Thank you so much, Roy!
5 star customer review
Reply from Joel Ridings
August 13th, 2024 03:49 PM
Thank you so much!
5 star customer review
I didn’t know Joel until this transaction. Joel and his team went above and beyond for over a year. They endured every bump in the road as the houses fell through and up until the very one! Joel took care of all business, kept me in the loop...
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Reply from Joel Ridings
November 12th, 2019 07:33 PM
Thank you so much Diane! You were a pleasure to work with and I appreciate you more than you will ever know.
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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.