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

Your VA loan benefit doesn't stop at the front door. The VA IRRRL could lower your monthly payment with fewer hoops than...
06/18/2026

Your VA loan benefit doesn't stop at the front door.
The VA IRRRL could lower your monthly payment with fewer hoops than a traditional refinance.
Less paperwork. Little to no out-of-pocket costs. A faster close.
Sound too good? We promise it's the real deal. Check the link to read more.
đź”— atlanticbay.com/knowledge-center/VA-interest-rate-reduction-refinance/?utm_source=socialcoach&utm_medium=organic

NMLS # 1476316

Every move creates a new opportunity to build something long-term. For some families, that means turning relocation into...
06/17/2026

Every move creates a new opportunity to build something long-term. For some families, that means turning relocation into equity, future rental income, and long-term financial growth instead of starting over each time.
We broke down how military buyers and other relocating homeowners are using smart financing strategies, housing benefits, and homeownership to build wealth over time, and the approach may be more realistic than many people think.
đź”— atlanticbay.com/knowledge-center/build-wealth-while-moving/?utm_source=socialcoach&utm_medium=organic

NMLS # 1476316

Closing day gets all the attention, but the weeks after are just as important. Here's a checklist to help you settle in ...
06/16/2026

Closing day gets all the attention, but the weeks after are just as important. Here's a checklist to help you settle in with confidence.

https://myoc.io/joelridings/cMKmb

NMLS # 1476316

Mortgage rates have been on quite a journey. From double-digit rates in the 1980s to the record lows of 2021, our latest...
06/15/2026

Mortgage rates have been on quite a journey.

From double-digit rates in the 1980s to the record lows of 2021, our latest article breaks down the key moments that shaped the mortgage market and what they can teach us about today.

https://myoc.io/joelridings/43HKj

NMLS # 1476316

This time next month, you could be unlocking the door to your new home! 🏡It all starts with a pre-approval — and we're h...
06/14/2026

This time next month, you could be unlocking the door to your new home! 🏡

It all starts with a pre-approval — and we're here to make it easy.

Let’s get you one step closer to homeownership. Reach out today!

NMLS # 1476316

Your interest rate is just as unique as you are!Many factors influence the number, from your loan amount to credit score...
06/13/2026

Your interest rate is just as unique as you are!

Many factors influence the number, from your loan amount to credit score, so rely on me to guide you through these variables and help you secure the best possible rate for your unique situation.

NMLS # 1476316

Every home tells a story—and we're honored to be part of yours. Thank you for trusting us with one of life’s biggest dec...
06/12/2026

Every home tells a story—and we're honored to be part of yours. Thank you for trusting us with one of life’s biggest decisions. It means the world to me and my team.

NMLS # 1476316

You’re ready to shop for homes, but competition is fierce and time is short. Fast Track Buyer Advantage:• Underwrites yo...
06/11/2026

You’re ready to shop for homes, but competition is fierce and time is short. Fast Track Buyer Advantage:

• Underwrites your loan at the beginning of the process, not the end
• Makes closing faster (we average less than 28 days!)
• Makes closing smoother because any conditions are already addressed

PS – Sellers LOVE fast closings too! Make an offer that means business. Call me today to start your application!

NMLS # 1476316

5.0 star review received on Experience.com for Joel Ridings by Randall T - Always answered questions in a timely manner
06/11/2026

5.0 star review received on Experience.com for Joel Ridings by Randall T - Always answered questions in a timely manner

Click to see all 402 reviews of Joel Ridings, Area Manager

June is National Homeownership Month, and an important year-midpoint for our business. đź“ŠTap the link below for my articl...
06/10/2026

June is National Homeownership Month, and an important year-midpoint for our business. đź“Š
Tap the link below for my article on becoming the go-to guide for the current market. 🏡
➡️atlanticbay.com/knowledge-center/real-estate-roundup-mid-year-market-update/?utm_source=socialcoach&utm_medium=organic

Want my monthly Round-Up email? just DM me! 📲

NMLS # 1476316

Address

104 Maxwell Avenue Suite 100
Greenwood, SC
29646

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