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
We had a great experience working with Ray during the purchase of our home. He was knowledgeable, responsive, and helped guide us through every step of the process. Buying a home can feel overwhelming, but he made sure we understood what was...
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We had a great experience working with Ray during the purchase of our home. He was knowledgeable, responsive, and helped guide us through every step of the process. Buying a home can feel overwhelming, but he made sure we understood what was...
read more
Raycine Ward has received a review with 5 star rating from Freda W
Mr. Ward showed my husband and I total respect and explained everything that was going to happen along the whole process. He is a great broker and a overall nice man. We truly appreciate him and his staff.
Reply from Raycine Ward
August 3rd, 2026 07:44 PM
I appreciate your kind words, Freda. It was my pleasure to guide you and your husband through the process and ensure you felt respected and informed. I'm grateful for your trust in me and my team at Atlantic Coast Mortgage.
Raycine Ward has received a review with 5 star rating from Sabrina L
Reply from Owner
August 3rd, 2026 07:44 PM
Thank you, Sabrina, for your 5-star rating. I'm grateful for your support and trust in Atlantic Coast Mortgage.
He was very determined and he answered any questions that we had
Reply from Raycine Ward
August 3rd, 2026 07:44 PM
I'm grateful for your feedback, Ella. It's important to me that all your questions were answered, and I'm pleased to hear you felt supported throughout the process. Thank you for choosing Atlantic Coast Mortgage.
Very professional and knowledgeable just a nice guy he went the extra mile for us..
Reply from Raycine Ward
August 3rd, 2026 07:45 PM
I appreciate your kind words, Louis. I'm glad to hear that you felt I went the extra mile during your experience with Atlantic Coast Mortgage. Thank you for taking the time to share your thoughts.
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.
Reply from Raycine Ward
August 3rd, 2026 07:45 PM
I'm pleased to hear that you and your wife had a great experience, Milford. It's wonderful to know that the team and I could help you learn more about the home buying process. Thank you for choosing Atlantic Coast Mortgage!
Raycine Ward has received a review with 5 star rating from JJ
Reply from Owner
August 3rd, 2026 07:45 PM
Thank you, JJ, for your perfect rating. I truly appreciate it and am grateful for your support.
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.
Reply from Raycine Ward
August 3rd, 2026 07:45 PM
I'm glad to hear that you felt well-informed throughout the digital signing process, James. Keeping my clients updated is always a priority to ensure a smooth experience. Thank you for your feedback!
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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)