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
The motivation and the reward at the end .. purchasing a home..
Very informative experience.
Ray was always there every step of the way in the process.
The loan officer kept us inform of all information and changes as we process to closing.
I am thankful for the service that Mr. Ray Ward provided. This experience came with many bumps, bruises and delays, not of our doing. Mr. Ward was always courteous and patient with me during this entire home buying experience. He kept me informed...
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Raycine went over and beyond to assist me with refinance. He informed me that each step would be to have this done in timely manner and he responded was quickly. I have refer him to my daughter and sister in refinance their homes. Thank you...
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Always ready to help
Failure to communicate basic details such as final closing costs, wiring instructions, or documents needed until the last moment, up to and including asking for further documents after providing final funding verification, not providing any...
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Mr. Ray was a joy to work with. He was very informative, professional and knowledgeable in his lending duties. He was always available and always returned calls if he wasn't in office. I will gladly refer anyone I know to him as their lender....
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Ray was always available to help. This is our forever home and although he has done this thousands of time with other clients he made us feel as if we were the only one on his roster. He gave incredible advice and made the entire process virtually...
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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)