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 professionalism, accurate information and closing on time
He was always there to answer my question and make sure I understand the paperwork. Aways accessible.
Very professional , helpful , and informative. The staff including Mr ward made the entire process painless and smooth. He answered every question and went above and beyond to ensure the process went as scheduled . I highly recommend him and...
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Ray made sure to communicate with us throughout the process of obtaining a Morgage for our new home and was always available to answer any questions/concerns we had. He was very professional and helpful as well. I would definitely recommend...
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Ray gave me an honest and up front look at my finances, so I wouldn't waste time going back and forth between the underwriters. He took his time explaining the technical aspects of home buying and lending. I would refer Ray to anyone who is...
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Reply from Owner
November 20th, 2015 12:00 AM
Thank you!!
Ray is awesome, he really made a miracle happen for me. When others told me no, he helped me to find a solution. His co-workers were great as well. Everyone was beyond professional but yet still personable.
Hands down THE BEST mortgage lender to work with while navigating the purchase of your properties. Ray Ward and his team are excellent!!
Reply from Raycine Ward
November 24th, 2024 12:00 AM
Hi Tiffany, Your kind words and excellent review have made my day. I'm so excited to hear that you felt well taken care of every step of the way by myself and the team at Tidewater Mortgage Services. Your trust in us means a lot. Your experience,...
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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)