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
Very professional. I recommend Atlantic Bay.
Reply from Owner
February 19th, 2026 05:49 PM
Thank you so much Jane! It was great working with you.
Amazing team. I recommend Atlantic Bay for your home financial needs
Reply from Joel Ridings
April 14th, 2025 12:58 AM
Thank you so much, Jane! I loved working with you and so happy that you were able to find the perfect home!
5 stars isn’t enough!! Joel and his team deserve more. They made the whole home buying process smooth and super easy to understand. All I had to do was to show up and sign the papers. Will definitely recommend others to use Joel’s services...
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Reply from Owner
February 19th, 2026 05:50 PM
Thank you so much for the kind words and great review! It was great working with you
As first time homebuyers, we could not have dreamed of a better experience! Joel went above and beyond from start to finish. He was friendly, reliable, and informative throughout the entire process. He stayed on top of rates and helped us get...
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Reply from Owner
February 19th, 2026 05:50 PM
Thank you so much for the kind words. I really appreciate the great review as well.
As first time homebuyers, our experience was phenomenal from start to finish! Joel was extremely helpful throughout the entire process, answering any questions we had and going above and beyond to help expedite the process so we could close...
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Reply from Joel Ridings
April 9th, 2025 12:38 AM
Thank you so much for the kind words and great review! It was great getting to meet you and working with you throughout the process.
Very well done, helpful, informative, detailed, and definitely gave the impression of wanting to help us rather than sell us on Atlantic Bay.
Reply from Owner
February 19th, 2026 05:51 PM
I really appreciate that Joey. It was great working with you
The process went very smoothly, and Joel was very responsive and helpful. Felt like I was being helped rather than being sold on using Atlantic Bay for the mortgage, as Joel typically estimated for worst case scenarios to inform rather than...
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Reply from Joel Ridings
April 9th, 2025 12:39 AM
Thanks so much for leaving such a great review. Always happy to hear someone is happy with the process. I know it can be a lot, but you were great to work with and I really appreciate you.
As a first time homebuyer, this process couldn’t have gone more smoothly. Communication and insight gave us peace from Day 1.
Reply from Owner
February 24th, 2026 07:40 PM
So glad everything went well for you. It was great working with you
As a first time homebuyer, this process couldny have gone more smoothly. Communication and insight gave us peace from Day 1.
Reply from Joel Ridings
April 9th, 2025 12:39 AM
My man! Thanks so much for the great review.
Thank you and your wonderful team. I was dreading the buying process but your team made everything streamlined and easy to understand.
Reply from Joel Ridings
April 6th, 2025 01:56 PM
Thank you so much for the kind words, Raj. It was great working with you and I am so happy we were able to help you with 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.