Joel C. Ridings - Area Manager, Atlantic Bay Mortgage Group

Joel C. Ridings - Area Manager, Atlantic Bay Mortgage Group I am a 15 year resident of Greenwood, SC. I love living here and enjoy everything Greenwood has to offer. It is where my wife, 3 kids and I call home.

Husband | Dad | Modern Loan Advisor | Area Manager

NMLS #1476316, Licensed in FL, NC, PA, SC, TX, VA, GA # 1476316
104 Maxwell Avenue, Suite 100
Greenwood, SC 29646

NMLS #72043 www.nmlsconsumeraccess.org Equal Opportunity Lender I truly love my job. Helping someone buy a home brings them joy, and a peace of mind that only owning your own home can bring. Atlantic Bay Mortgage Group offers a wide variety of mortgage loan products including FHA, VA, USDA, Conventional, Jumbo, Construction, Renovation, and refinancing options. I pride myself on providing all of my clients exceptional service throughout their entire loan process and beyond. I want them to consider me a friend, and someone they can come to through all the stages in life. You can call, email, come see me personally or apply on my website and I can get you pre-qualified before you even start looking for a home. If you aren't quite ready to buy a home due to credit or financial issues, I will be more than happy to assist you in getting where you need to be, no matter how long it takes. NMLS #1476316
Licensed in SC, NC, FL, GA, and TX
Atlantic Bay Mortgage Group NMLS # 72043
www.nmlsconsumeraccess.org
Equal Opportunity Lender

This Labor Day, I’m thinking about all the early mornings and late nights that turn into a down payment. That's the work...
09/07/2026

This Labor Day, I’m thinking about all the early mornings and late nights that turn into a down payment. That's the work our team gets to be part of. Enjoy the day off, you've (more than) earned it.



NMLS # 1476316

Homeownership feels like a win, and no doubt it’s neat, but surprises in the house? They can knock you off your feet. Le...
09/06/2026

Homeownership feels like a win, and no doubt it’s neat,
but surprises in the house? They can knock you off your feet.
Let’s talk about building your home emergency fund.

https://myoc.io/joelridings/RB7X0

NMLS # 1476316

Everyone thinks the secret to a more valuable home is knocking down walls or remodeling the kitchen. Meanwhile... buyers...
09/05/2026

Everyone thinks the secret to a more valuable home is knocking down walls or remodeling the kitchen.
Meanwhile... buyers are over here getting excited about things like storage, mature trees, and outdoor lighting. 🌳💡
Before you start pricing out renovations, take three minutes to see what actually helps a home stand out.

https://myoc.io/joelridings/CRaL4

NMLS # 1476316

Who says you only get one shot at refinancing? No, really. Who said it? Your goals change. Your home changes. Your mort...
09/04/2026

Who says you only get one shot at refinancing?

No, really. Who said it?

Your goals change. Your home changes. Your mortgage can, too. Read our latest article to learn why it's never too late to explore your options.

https://myoc.io/joelridings/hb5Ry

NMLS # 1476316

STILL think you need 20% down to buy a home??? Think again. And again. And heck, one more time for good measure. Learn a...
09/03/2026

STILL think you need 20% down to buy a home???
Think again. And again. And heck, one more time for good measure.
Learn about down payment strategies that could help make homeownership more affordable. Read more at the link.

https://myoc.io/joelridings/sSkEo

NMLS # 1476316

5.0 star review received on Experience.com for Joel Ridings by Brian H - Joel was great to work with during the who...
09/02/2026

5.0 star review received on Experience.com for Joel Ridings by Brian H - Joel was great to work with during the whole process! He is very knowledgeable and was always ready to help me and patient with me when I had questions! Overall it was a great experience for us! I would definitely recommend him to my friends and family!

Click to see all 416 reviews of Joel C. Ridings, Area Manager

In 2026, more condos are getting approved for a mortgage than ever, thanks to new Fannie Mae and Freddie Mac guidelines....
09/02/2026

In 2026, more condos are getting approved for a mortgage than ever, thanks to new Fannie Mae and Freddie Mac guidelines.
Curious what changed? We break it down in the Knowledge Center.

https://myoc.io/joelridings/0L9M8

NMLS # 1476316

Kids aren't the only ones who need a desk this fall. Here's where to put a home office after you buy a house, what it ac...
09/01/2026

Kids aren't the only ones who need a desk this fall.
Here's where to put a home office after you buy a house, what it actually costs, and whether it's worth it before you sell.

https://myoc.io/joelridings/deXLD

NMLS # 1476316

It was Property Tax, in the Escrow Account, with your Insurance Premium. Case closed on why your payment looks the way i...
08/31/2026

It was Property Tax, in the Escrow Account, with your Insurance Premium. Case closed on why your payment looks the way it does.

https://myoc.io/joelridings/bi7YK

NMLS # 1476316

5.0 star review received on Experience.com for Joel Ridings by Stacy H - Great experience working with Joel and his team...
08/27/2026

5.0 star review received on Experience.com for Joel Ridings by Stacy H - Great experience working with Joel and his team. Would definitely reccomend him and his team

Click to see all 415 reviews of Joel C. Ridings, Area Manager

Address

104 Maxwell Avenue Suite 100
Greenwood, SC
29646

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