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(Open now)
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
Raycine was accessible, knowledgeable, and patient throughout the process. Although I'm sure I wasn't, I felt like his only client. He and his team are phenomenal, and i can't possibly be more grateful. Highly recommend!!
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Hi Jason, thank you so much for your review. Your feedback has truly made my day! I'm thrilled to hear that my team and I made you feel valued throughout the process. We always strive to provide the best service and support to our clients....
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Just the overall communications that we had ensuring all bases were covered
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm thrilled to hear you had a positive experience with our communication process, Ronald. It's imperative for us at Tidewater Mortgage Services to cover all bases and ensure our customers feel confident and well-informed. Your feedback is...
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Ray was extremely knowledgeable and made the buying of a home make sense. As a first time buyer I was so worried the interest rates and home prices didn't make sense for me to buy but Ray made it happen in the loan. Would recommend to first...
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Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Hallie, I'm thrilled to hear that you had such a positive experience with your home purchase. As a first-time buyer, it's understandable that the process can seem overwhelming. I'm so glad I could help alleviate your worries and make the loan...
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Ray was extremely knowledgeable and was extremely flexible with our schedule. He made us feel like a priority rather than a burden no matter how many questions we asked. Tidewater did a fantastic job of communicating with us when they needed...
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Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Hi Christopher, I deeply appreciate your thoughtful review and high rating. I am pleased to hear that you found my service flexible and informative – that is always my goal. It was a pleasure helping you navigate your mortgage needs and I'm...
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Ray was very helpful and knowledgeable. Any question I had he knew the answer.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I appreciate your kind words, Tomias. It was my pleasure to assist you with your mortgage needs at Tidewater Mortgage Services. Your feedback is very valuable and I'm pleased to know that you found my knowledge in this field helpful. Feel free...
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Got all the information I needed anytime I asked and answered all my questions!
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm thrilled to hear that you had a positive experience, Koby! It's always my goal to provide clear and timely information for all your queries. Your feedback is greatly appreciated and I'm glad I could assist with your dealings at Tidewater...
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Ray was amazing from start to close. Very informative and transparent. He is very knowledgeable on his job and had a plan of action for every obstacle that came our way. Would definitely recommend him.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm beyond thrilled to hear about your positive experience, Gameliel. It was a pleasure guiding you through each step of the process. I always aim to provide transparent and informed advice to all my clients. Your kind words and recommendation...
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Great man!!
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I am thrilled to hear your positive feedback, Roman. It was a pleasure to assist you. At Tidewater Mortgage Services, we strive to provide the best service, and your review reaffirms the hard work we put in every day. Your kind words are greatly...
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I definitely felt like Ray was on my side which helped to calm my nerves as a first-time home buyer!
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm so glad to hear that you felt supported during your first home buying experience, Tranese! It's important to me that my clients feel comfortable and confident during this significant process. Your positive feedback means a great deal. Thank...
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Y'all was very polite and fast to get back with us when we needed it I that you so much
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm truly grateful for your review, Felicia! It brings me joy to know that you found our services prompt and polite. At Tidewater Mortgage Services, we strive to ensure our clients feel heard and responded to as swiftly as possible. Your satisfaction...
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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)