Atlantic Bay Area Manager Joel C Ridings, NMLS #1476316

Joel

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.

About me

Not what, but Why!

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I love to make people happy - it’s why I do what I do.

What does happiness look like to me? It not only starts with family but also community. Making people happy goes way beyond my family and the people I know and love. It’s helping those around us to better their lives and in turn helping their families and the people they know and love. These people, the places, and the experiences around us helps create our happiness…

My parents divorced when I was young, and my stepdad was in the Navy. This led to me moving back and forth each year between my parents and living all over the world. Although this was an amazing experience (I got to spend two years and graduate high school in Spain!!), moving from place to place never allowed me to feel settled. Now that I am married, have started raising a family of my own, and have lived in a home that we have owned for several years, I now feel settled.

I have the ability to help people obtain home ownership and give their family something I didn’t have growing up. I strive to be someone my children can admire, my wife can be proud of, AND someone who truly helps my community. This gives me all the motivation I need!

I LOVE what I do... I help people create their own stability. I am helping to build my community one home loan at a time and making people happy in the process.

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What can you afford?

Use my mortgage calculator to estimate your monthly cost.*
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*This calculator is made available to you as an informational tool. All examples are hypothetical and are for illustrative purposes only. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on individual scenarios, credit scores and market conditions. Atlantic Bay Mortgage Group does not guarantee the applicability of the above terms in regards to your individual circumstances. This information is not intended to replace the advice of a tax or financial professional.
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Homeowners insurance: a standard insurance policy that covers damage to your home and protects your personal property.

from AB Insurance.

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*This calculator is made available to you as an informational tool. All examples are hypothetical and are for illustrative purposes only. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on individual scenarios, credit scores and market conditions. Atlantic Bay Mortgage Group does not guarantee the applicability of the above terms in regards to your individual circumstances. This information is not intended to replace the advice of a tax or financial professional.
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Information is for educational purposes only and should not be relied upon by you. 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 Opportunity Lender. #72043 ( nmlsconsumeraccess.org) is an Equal Housing Lender. Located at 600 Lynnhaven Parkway Suite 100 Virginia Beach, VA 23452.