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 everyone at Atlantic Bay were amazing to me. I was a 1st time home buyer and was very nervous about the whole process. Joel and his staff were there with me every step of the way answering any questions promptly! Thank you to Atlantic...
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Reply from Joel Ridings
March 31st, 2025 09:20 AM
I'm so happy to hear that your home buying experience was a positive one. It was a pleasure helping you throughout the process. Thank you for choosing our team!
Excelent people to work with! They made the home buying process a breeze!
Reply from Joel Ridings
March 24th, 2025 03:50 PM
Thank you so much Brittany! I really appreciate the great review. I hope you and Chance enjoy your new home!
Great at keeping us up to date and informed.
Reply from Joel Ridings
March 24th, 2025 03:49 PM
Thank you so much for your review, Pam! Hope you and Darrell are getting settled in your new home.
Joel C. Ridings has received a review with 5 star rating from Colby B
Reply from Owner
July 13th, 2026 06:02 PM
Thank you so much for the 5 star review Colby!
Joel was more than helpful and patient. I would highly recommend him to anyone. Seems to truly care about his customers and wants what is best for them.
Reply from Joel Ridings
March 24th, 2025 03:46 PM
Thank you so much for the awesome review, Colby. It was great working with you.
Joel was so great to work with!! I could not have asked for anyone better than him! He never ever made me feel bad for asking thousands of questions and was always positive when talking to him! Joel made the whole process stress free!
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Reply from Joel Ridings
December 17th, 2024 11:54 PM
Thank you so much for the kind words, Carlee. I really appreciate it. And it was so great working with you. I am so happy for you and Colby!
Had an amazing experience with Joel as I refinanced my home after divorce. Highly recommend him and his team.
Reply from Owner
July 13th, 2026 06:02 PM
It was so great working with you Hollie! Thank you so much for the great review.
Joey was great and my experience with a refinance was amazing working with him.
Reply from Joel Ridings
December 17th, 2024 11:58 PM
Thank you so much, Hollie! I really appreciate the great review and enjoyed working with you.
We purchased a home last week but we tried to get financing with two other companies before I was referred to Joel by my real estate agent and wow he didn’t disappoint. Unlike the other agents he was prompt answered all my questions in a timely...
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Reply from Owner
December 19th, 2024 12:00 AM
Thank you so much for the great review Travis. It was great working with you!
Joel was great answered all questions and responded to texts and emails promptly! Customer service was great from the entire staff and all paperwork was processed and explained in a very turnaround ! My expectations were surpassed And I will...
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Reply from Joel Ridings
November 30th, 2024 11:46 PM
Thank you so much for an awesome review, Travis. It was great working with you, and I am looking forward to the next time!
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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.