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
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Ray was amazing. He was there and available for us through the whole process. Answered any questions, communicated with us every step of the way.
Reply from Owner
August 3rd, 2026 07:46 PM
Thank you so much, M&G, for sharing your experience. I'm pleased to know that my availability and communication made a positive impact during the process. Your satisfaction is incredibly valued, and I'm grateful for the opportunity to assist...
read more
Ray was amazing. He was there and available for us through the whole process. Answered any questions, communicated with us every step of the way.
Reply from Raycine Ward
August 3rd, 2026 07:46 PM
I'm grateful for your kind words, Regina. It's wonderful to know that my availability and communication throughout the process were helpful to you. Thank you for trusting me with your purchase at Atlantic Coast Mortgage.
Ray thoroughly explained rhe process. He walked me through the forms. He communicated throughout the entire process.
Reply from Raycine Ward
June 30th, 2026 11:03 AM
I'm grateful for your feedback, Torrey. It's wonderful to know that my explanations and communication helped guide you through the process. Thank you for trusting Atlantic Coast Mortgage with your purchase.
Working with my loan officer Raycine Ward was an exceptional experience from start to finish. He was extremely knowledgeable, professional, and always available to answer my questions throughout the entire process. He made everything feel smooth,...
read more
Reply from Owner
June 30th, 2026 11:03 AM
It's wonderful to hear such positive feedback, Chevanice! I'm truly grateful for your kind words and pleased that you found the process smooth and stress-free. Providing excellent communication and dedication is always my goal, and I'm happy...
read more
Thank You ! Working with Raycine Ward at Atlantic Coast Mortgage was an astounding experience from start to finish. He was extremely knowledgeable, professional, and always available to answer my questions throughout the entire process. He...
read more
Reply from Raycine Ward
May 29th, 2026 12:56 PM
Chevanice, I'm truly grateful for your kind words and recommendation. It's appreciated to know that my efforts to provide a smooth and stress-free process made a positive impact on your experience. Your appreciation of my communication and...
read more
My first time buying a home and I had zero stress. I've heard how stressful buying a home could be. Ray and his team carried that load for me. The process was smooth, he provided me iwith good tools, and he was professional and punctual. If...
read more
Reply from Owner
May 29th, 2026 12:53 PM
I'm so grateful for your appreciated feedback, Brandon. It's great to know that your first home-buying experience was smooth and stress-free. Providing professional and punctual service is what I aim for, and I'm happy to hear that you felt...
read more
I've heard horror stories as too how frustrating house buying could be. I had zero stress and Ray was very punctual and professional. I definitely recommend him to anyone who is looking to buy a home.
Reply from Raycine Ward
May 29th, 2026 12:52 PM
I appreciate your kind words, Brandon. I'm glad to hear that you experienced a stress-free home buying process and found my services punctual and professional. Thank you for recommending me to others looking to buy a home!
Ray provided World Class Service, as always. Ray and his team are top-notch! Thanks again!
Reply from Raycine Ward
April 16th, 2026 01:52 PM
I'm happy to hear such positive feedback, Angel. Providing world-class service is always my goal, and I'm grateful for your kind words about me and my team at Atlantic Coast Mortgage. If you need anything else in the future, please don't hesitate...
read more
As first-time home buyers, my husband and I greatly appreciated Ray walking us through the entire process. From the moment I first spoke with him, he was personable and approachable. He had amazing communication with us throughout the whole...
read more
Reply from Raycine Ward
April 16th, 2026 01:53 PM
I'm so glad to hear that your experience as first-time home buyers was positive, Leah. It was appreciated to assist you and your husband through each step of the process. Your kind words about my communication and approachability mean a lot...
read more
ACM operates at the highest level of professionalism and integrity. Their process is the best I have dealt with, and their app makes processing paperwork even better. They have been a pleasure to work with.
Reply from Owner
March 3rd, 2026 02:56 PM
I appreciate your thoughtful review, J. It's great to know that you found our process straightforward and the app helpful in managing paperwork. Ensuring a seamless, professional experience is my main priority, and I'm glad this came through...
read more
11–20 of 237
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
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
Positions
- Atlantic Coast Mortgage - Loan OfficerNov 13th, 2025 - Current
Memberships
- Virginia Mortgage Lenders Association
- MORTGAGE BANKER ASSOCIATION
- HRRA
View All
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
View All
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)