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
Ray was very informative and he and his team work with me step by step to insure that the process went smoothly as possible. He and his team has great professionalism and goes the extra mile to make sure you understand everything. I highly...
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Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you so much, Edward, for your kind words and the stellar rating. It was truly my pleasure to assist you throughout your home buying journey. At Tidewater Mortgage Services, our clients' understanding and satisfaction are our top priorities,...
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Mr. Ward made my experience seamless from the time I called him to get a loan, at closing and even after I had the keys. He explained the process to me at every single stage and updated me each time there was a change. He moved mountains to...
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Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you so much, Sylvia, for your glowing review. It was a pleasure to guide you through the loan process and I'm thrilled to hear that your experience was seamless. I'm always ready to go the extra mile for my clients, and I'm glad that...
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My experience was awesome because Mr. Ray constantly communicated with me daily and walked me through every step, making it extremely easy.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm thrilled to hear that you had such a positive experience with our services at Tidewater Mortgage Services. It was my pleasure to assist you daily and make every step of the process easier for you. I believe in constant communication and...
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The whole process Ray and just how quick and effective and the knowledge that Ray had it really made it easy and great thank you guys very much
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm sincerely gratified to hear such positive feedback, Edward. It is always my intention to provide quick, effective service and share my knowledge to make the mortgage process as effortless as possible. Your kind words serve as a wonderful...
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Ray was an expert on all issues I asked about, he followed through on any requests I made and kept me informed throughout the process of what to expect and what was coming in the future
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you, Michael, for your kind words and a full 5-star rating. I'm glad to know that you were satisfied with the service I provided. Ensuring my clients are well-informed and confident throughout the mortgage process is a priority for me....
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Ray was so personable and knowledgeable! I greatly enjoyed working with him!
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm truly grateful for your wonderful feedback, Anna. It brings me immense joy to know that you found our time together beneficial. Your satisfaction is my topmost priority and I'm delighted that I was able to provide the knowledge and personal...
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Mr. Ray made my mortgage loan process very personable and interesting. He was very attentive, professional, courteous and focus throughout my whole mortgage process. With his up beat attittued and his wealth of knowledge in his industry, he...
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Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you so much for the glowing review, Ms. Rene! I'm delighted to hear that you had a positive experience with your mortgage loan process. It was an honor to assist you throughout this journey and to ensure everything went smoothly until...
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The best people in the world.Thank God for great people like Mr.Ray always doing the best job.Thanks so much.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you so much, Thomas, for your kind words and high rating. I'm thrilled to hear that you had a positive experience. At Tidewater Mortgage Services, we always strive to provide the best service for our valued clients. It's truly rewarding...
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Ray was very knowledgeable, accessible by phone or email, and responded in a timely manner. He made us feel empowered in our decisions, and I felt he had our best interest at heart. We can’t thank him enough.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm truly humbled by your kind words, Ashia. Knowing that I was able to make you feel empowered in your decisions and assure you of my dedication to your best interests makes me incredibly glad. This is the level of service I strive to provide...
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At every step of the way Ray was calling us to let us know what was going on and also came in with a great rate!
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
It's a pleasure to hear such positive feedback, Adam! I'm thrilled to know that my communication and the rate I secured were to your satisfaction. I always strive to provide my clients with up-to-date information and the best possible service....
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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)