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
Mr. Ward and his team were very professional, knowledgeable and personable. Their patience was greatly appreciated and the guidance provided was amazing. Mr. Ward walked me through each step of the process, and was outstanding in his explanations...
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Mr. Wards expertise and knowledge was highly expressed through the entire process! I am a very pleased client.
Everything
I like the fact that Mr Ward was there for me and my family every step of the way. Any questions or concerns that I had was addressed in a timely fashion. Great job!!
Very reliable in informative for helping and guiding a first time buyer. Ray has returned every call no matter day or night and has gone far and beyond to make my purchase stress free. Ray is a great asset to Tidewater Mortgage!!!!
Mr Ray was extremely helpful, friendly and was readily available to answer any of my questions at any time. He made a could be very stressful time go smooth. I would recommend Mr. Ray and his team to anyone if your looking for a great lender...
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Ray made the process seemless and that he genuinely cared about us.
We didn’t know much coming into this experience but Ray was a tremendous help. We will definitely be recommending him to new homebuyers in the near future. Ray, if you’re seeing this, thanks for everything!
Mr Ward is excellent. He was very attentive, informative, resourceful, and a true representation of great customer service! I have and will recommend her to everyone. Best house purchase experience!
Ray gave me advice months earlier to increase my credit score. The advice was instrumental in obtaining my first home. Ray was always responsive to my calls and questions.
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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)