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
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
He was very attentive and knowledgeable! He assisted me throughout the entire process. He was very patient with me and made sure I had all the resources and tools I needed. He really went above and beyond. This is my first time buying a home...
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Ray helped in ways that I could not believe. Customer service and excellent energy.
My lender (Ray) was very knowledgeable, prompt & courteous.
Mr. Ward was exceptional in assisting and securing the refinance of my mother's home. We appreciate his timeliness and professionalism. GREAT JOB!.
Ray was very easy to work with. He responded quickly to all of my questions. He made the process simple for me.
We appreciate everything you've done for us, thank you!!
The process was smooth from beginning to end with just a little small hiccup at the end waiting on a CD that pushed our closing back a couple hours. But Ray got us a good rate and kept us informed along the way. I’m very pleased.
Ray was very patient with me as a first time home buyer! No question was a dumb question. He assured me that it was better to ask questions upfront than to end up not closing on the loan! I appreciate him for making what can be somewhat of...
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I would have liked for there to had been more communication in the beginning, I felt like a lot of the questions I initially asked were not taken into consideration until those things actually happened and then it caused more stress for me....
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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)