Raycine Ward
Loan Officer | NMLS ID #264957
We believe that a closed loan is not the end of our relationship - it's just the beginning.
Built on commitment, character, and innovation we are a next-generation, customer-focused lender driven by a mission to make the homebuying process... Show More
Location & Business Hours
Business Hours
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
He was very determined and he answered any questions that we had
Very professional and knowledgeable just a nice guy he went the extra mile for us..
Great experience for me.I learned a lot about how the home buying process has change.My wife and thank you the team for everything.
Even though there was a lot of signing digitally, I was keept up to date on what was needed and what was next in the process.
Ray was amazing. He was there and available for us through the whole process. Answered any questions, communicated with us every step of the way.
Ray thoroughly explained rhe process. He walked me through the forms. He communicated throughout the entire process.
Reply from Raycine Ward
June 30th, 2026 11:03 AM
I'm grateful for your feedback, Torrey. It's wonderful to know that my explanations and communication helped guide you through the process. Thank you for trusting Atlantic Coast Mortgage with your purchase.
Thank You ! Working with Raycine Ward at Atlantic Coast Mortgage was an astounding experience from start to finish. He was extremely knowledgeable, professional, and always available to answer my questions throughout the entire process. He...
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Reply from Raycine Ward
May 29th, 2026 12:56 PM
Chevanice, I'm truly grateful for your kind words and recommendation. It's appreciated to know that my efforts to provide a smooth and stress-free process made a positive impact on your experience. Your appreciation of my communication and...
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I've heard horror stories as too how frustrating house buying could be. I had zero stress and Ray was very punctual and professional. I definitely recommend him to anyone who is looking to buy a home.
Reply from Raycine Ward
May 29th, 2026 12:52 PM
I appreciate your kind words, Brandon. I'm glad to hear that you experienced a stress-free home buying process and found my services punctual and professional. Thank you for recommending me to others looking to buy a home!
Ray provided World Class Service, as always. Ray and his team are top-notch! Thanks again!
Reply from Raycine Ward
April 16th, 2026 01:52 PM
I'm happy to hear such positive feedback, Angel. Providing world-class service is always my goal, and I'm grateful for your kind words about me and my team at Atlantic Coast Mortgage. If you need anything else in the future, please don't hesitate...
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As first-time home buyers, my husband and I greatly appreciated Ray walking us through the entire process. From the moment I first spoke with him, he was personable and approachable. He had amazing communication with us throughout the whole...
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Reply from Raycine Ward
April 16th, 2026 01:53 PM
I'm so glad to hear that your experience as first-time home buyers was positive, Leah. It was appreciated to assist you and your husband through each step of the process. Your kind words about my communication and approachability mean a lot...
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About
We believe that a closed loan is not the end of our relationship - it's just the beginning.
Built on commitment, character, and innovation we are a next-generation, customer-focused lender driven by a mission to make the homebuying process simple, easy, and stress-free for our clients.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
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Positions
- Atlantic Coast Mortgage - Loan OfficerNov 13th, 2025 - Current
Memberships
- Virginia Mortgage Lenders Association
- MORTGAGE BANKER ASSOCIATION
- HRRA
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Addresses and Serving Areas
Primary Serving Area
Year Started
1998
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS ID #264957
- Licensed in NC, VA
Awards
PRESIDENTS CLUB
Achievements
- PRESIDENTS CLUB
Hobbies
- cooking
- fishing
- traveling
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Disclaimer
Atlantic Coast Mortgage, LLC is an Equal Housing Lender | Company NMLS ID #643114 (www.nmlsconsumeraccess.org) | Doing business in Pennsylvania under the trade name ACM, LLC of PA | Georgia Residential Mortgage Licensee, License # 61978 | Arizona (103946), Colorado, Connecticut (ML-643114), Virginia (MC-5560), D.C. (MLB643114), Delaware (018266), Louisiana, Maryland (19711), West Virginia (ML-34255), Delaware (018266), Tennessee (138203), Pennsylvania (62503), North Carolina (L-164348), South Carolina (MLS - 643114), South Carolina (MLS - 643114 OTN #1), Georgia (61978), Florida (MBR2951), Florida (MLD1461), Kansas (MC.0025719), Maine (643114), Michigan (FR0024148), Michigan (SR0024149), New Hampshire (24683-MB), Oregon (643114), Texas, Wisconsin (643114BA), Wisconsin (643114BR), and Oklahoma (ML012369), (ML013345)