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 is top notch.
I’m a first time home buyer and his team helped out tremendously! I didn’t have a lot of questions, mostly because he explained it all to me throughout the process but when a question did come up he answered it. 10/10 would recommend.
Ray was exceptional, i mean in every way. From the start telling me what to expect every detail. My home was late to close but Ray made every call possible to help, especially since im out to sea most of the months. We close and he was right...
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Very informative and welcomed all my questions. It was comfortable approaching Ray when I didn't understand something.
Ray was well informed and always took the time to answer and explain any questions I, a first time home buyer, had about the process.
Ray and his team were great to work with and were very helpful in walking us through the process of refinancing.
Made my first home buying experience great
Ray was always there when I had a question. Even if I had to contact him outside of normal office hours due to my work schedule, he was available. He got me a fantastic rate and we had a smooth closing. All of this was in the middle of the...
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He did everything he said he was going to do and we closed on time!
Ray makes the process smooth and simple! Returns phone calls quickly and is very informative. Highly recommend!
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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)