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 company were fantastic! They made the refinancing process so smooth and were always willing and knowledgeable in answering all my questions. I'll definitely be recommending them to anyone I know of that is either purchasing or refinancing...
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Reply from Joel Ridings
July 1st, 2025 10:17 AM
Thank you so much for the kind words! We really appreciate it and enjoyed working with you.
Joel Ridings got the loan approved in a short amount of time when we had to switch lenders at the last minute. Communication was excellent and he always took the time, no matter what time of day or night to respond or talk to us. I would recommend...
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Reply from Joel Ridings
June 9th, 2025 10:00 AM
Thank you so much for the kind words, Sandy! Always great working with you :)
Joel C. Ridings has received a review with 5 star rating from Shaunta
Reply from Owner
January 14th, 2026 12:53 PM
Thank you!
I am very happy with the entire team. Everyone was knowledgeable, communication was above average, and Joel was always readily available and worked quickly. Thank you for making my first time as a homebuyer go over without a hitch. I have already...
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Reply from Joel Ridings
June 1st, 2025 06:36 PM
Thank you so much for the great review, Shaunta! I am so glad to hear that you were happy with everything. And, I definitely appreciate the referrals.
Joel C. Ridings has received a review with 5 star rating from Shane L
Reply from Owner
February 19th, 2026 05:49 PM
Thank you so much for the great review!
It was a pleasure working with Joel. He made the home buying process seamless and stress free
Reply from Joel Ridings
June 1st, 2025 06:37 PM
Thank you so much! You all were so great to work with and I genuinely appreciate everything. Hope you get to enjoy your new home!
joel was AMAZING. He was always there when i needed him or had a questio!
Reply from Joel Ridings
May 8th, 2025 12:30 PM
Thank you so much, Savannah!! It was great working with you :)
I didn't get a chance to personally meet you but when I did need you. You was there every step of the way. Thank you again
Reply from Joel Ridings
April 27th, 2025 08:31 PM
So glad we were able to help you purchase your new home Cruise! That does tend to happen with mortgages these days since so much is done electronically. I was on a family trip the day of your closing, but we will catch up soon!
It was a pleasure working with Joel. He answered all of our questions and made the whole process very comfortable and painless.
Reply from Joel Ridings
April 27th, 2025 08:32 PM
Thank you so much for the great review, Larry. It was great working with you, and I am so happy that we were able to help you purchase your new home.
Good service
Reply from Joel Ridings
April 16th, 2025 02:29 PM
Thank you so much, Angela. I hope that you and Howard 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
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.