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
It was great working with Ray Ward and his team. Ray guided me through every step of the mortgage process, reassured me, and communicated what I needed to do at all times. He was very patient in answering all of my questions no matter how many...
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Ray and his team were great. Consistent communication and very knowledgeable. Thank you for a smooth home buying experience.
I would like the entire team that supported me through the buying process. I do know their were kinks but thy were ironed out very quickly. Mr. Ward was professional and courteous, always available to answer question and willing to go the extra...
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The team worked diligently to smooth out any wrinkles that popped up during the process. They are thorough, competent, and a pleasure to work with. I would definitely work with them again, and I will recommend them to my friends.
Open line of communication, easy to reach, and always prompt.
Ray was very professional and to the point. He explained the details thoroughly and was quick to respond to our inquiries..
Ray was extremely thorough in his explanation of the additional mortgage loan requirements brought about by the COVID-19 pandemic. In addition, he was very responsive and extremely patient as we worked around my hectic work schedule. I highly...
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What separates Ray and tidewater from the competition is their efficiency I was pre approved within hours. Previous lenders didn’t seem to care to get the job done and that’s where Ray shines thanks again.
Level of professionalism
Thank you mr.ward!
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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)