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 and his team were awesome to work with! There were some delays with other things but they responded promptly and kept us informed. Highly recommended.
Joel and his wife both were so kind and held our hand through the whole process.
Reply from Joel Ridings
September 4th, 2024 05:58 PM
I'm thrilled to hear about your positive experience, Dennis! I'm happy that my wife and I were able to help and guide you through the loan process. Your satisfaction is our top priority at Atlantic Bay Mortgage Group. We truly appreciate your...
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You were good
By myside all the way
Reply from Joel Ridings
September 4th, 2024 05:59 PM
Thank you for your kind words and high rating, Tawaina. I'm really glad to know that you felt supported throughout the loan process. That's always my aim. If you have any further needs or questions in the future, don't hesitate to get in touch....
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I was definitely pleased with the Atlantic Bay Mortgage Group, and would recommend them to others. However, it would've been better to have met everyone involved sooner than on the actually closing date of the property.
Joel and team did a great job.Joel especially was helpful.Was knowledgeable and very responsive.Best home mortgage experience out of the four I have been through hands down.
Reply from Joel Ridings
September 4th, 2024 01:35 PM
I'm thrilled to hear that you had a positive experience with our team at Atlantic Bay Mortgage Group, J. Your praise truly means a lot, especially considering your past experiences with other mortgage processes. We always aim to provide knowledgeable...
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My only complaint is that it seemed like we were asked multiple times for the same account(s) information. I say that however, knowing that our finances were in a somewhat fluid state as I’d just retired and moved funds and assets around a...
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5 star customer review
Reply from Joel Ridings
September 4th, 2024 01:32 PM
I'm truly grateful for your 5-star review, Earcelia. It was a pleasure to assist you with your loan at Atlantic Bay Mortgage Group. Your feedback is very important and it motivates me to continue providing the best service possible. If you...
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I was definitely pleased with the Atlantic Bay Mortgage Group, and would recommend them to others. However, it would've been better to have met everyone involved sooner than on the actually closing date of the property.
Reply from Joel Ridings
September 4th, 2024 01:32 PM
I'm glad to hear that overall, you had a positive experience with Atlantic Bay Mortgage Group. Your feedback regarding meeting the team sooner is appreciated and we will certainly take it into consideration for future practices. It's important...
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"The Best." Joel was very sweet and helpful with any information I had for him. He answered all questions very prompt and in a courteous manor.
Reply from Joel Ridings
September 4th, 2024 01:31 PM
I'm genuinely thrilled to hear that you found my services to be the best, Ronda. Making sure you had all the necessary information was my top priority and I'm glad I could provide prompt and courteous answers to your questions. It was a pleasure...
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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.