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 pleasant to work with, and very informative when preparing us for the process. He was honest and trustworthy. He kept us on track.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you for your kind words, Michael! I'm so glad to hear your mortgage process was smooth and you felt well-informed! I appreciate you taking the time to leave us this review. At Tidewater Mortgage Services, it is our goal to serve our customers...
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The care, communication and hard work of Ray and his staff were top-notch. He was very open and didn’t mind clarifying information for us to understand. He worked hard to accommodate us and get us a low rate. Although our credit score was not...
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Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you so much, Lynette, for your kind words about my team here at Tidewater Mortgage Services. We strive to deliver the best customer experience and it’s wonderful to hear that we achieved that for you. We remain committed to providing...
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Better communication - speak in plain language (not loan officer language) better explain the process and loan options.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you for your review, Tisha. We appreciate your feedback and are always looking for ways to improve our processes and communication. We understand that loan officer language can be confusing, and we will work to ensure that our language...
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Have a better underwriter system.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you for your feedback, Natalie. We strive to provide the best service to our customers and appreciate your input. We are working on improving our underwriting system and look forward to providing a better experience for you in the future....
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This was my very first home I purchased and I’ll start by saying that Raycine Ward made it the easiest yes I said EASIEST process. I was told exactly what I needed and I was able to present everything to them. The process was calm and smooth....
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Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you for the kind words and your 5 star rating, Jasmine! It was great working with you to help you purchase your first home. We are so pleased that you were satisfied with the process and that you consider it to have been easy. We hope...
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Ward was responsive to each potential inquiry. And was available for all of my questions.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I am glad to receive your response. How can I better improve myself to a 5-star rating experience?
Raycine Ward was extremely helpful in the whole process.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you for the 5-Star review. If you need anything, feel free to give us a call.
Ray was there through every step. When it felt like I was ready to crumble and my frustration levels were through the roof, he tooth time to make sure I understood everything that was going on with ease. He took the time to explain each step,...
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Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you so much, Gloria, for such a kind review. It truly means a lot to hear your positive feedback about the dedication we, at Tidewater Mortgage Services, put in to make our customer's experience as smooth as possible. I'm glad to hear...
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Consistently going above and beyond to get me to the finish line. Great fellow.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you so much for the kind words, Robert. I'm so glad I could help you get to the finish line. I appreciate the five-star rating!
As a first time homebuyer. His team made it very understanding and easy the entire process.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you, Keiona, for taking the time to leave us a 5-star review! We are so glad that the Tidewater Mortgage Services team was able to make the process of buying your first home easy and understandable. We hope you enjoy your new home!
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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)