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
Working with Ray and the ACM team was pleasing and professional . Every step of the process was easy especially with ACM app. The communication was superb and always straightforward . I would recommend ACM to anyone that is looking for a painless...
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Reply from Raycine Ward
March 3rd, 2026 02:56 PM
I'm grateful for your kind words, Jeffery. It's wonderful to hear that the process was smooth and straightforward for you, especially with the help of the ACM app. Clear communication is something I prioritize to ensure a positive experience...
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The entire process was smooth! ALL was professional and timely from start to finish! I give 10 plus stars! Again, thank you!!!
Reply from Raycine Ward
March 3rd, 2026 02:56 PM
I'm really pleased to hear that you found the entire process smooth and professional, Tina. Your satisfaction is a top priority for me, and knowing that everything went smoothly from start to finish is truly gratifying. I appreciate your kind...
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Working with Mr Ward and his team was such a great experience. Everyone was knowledgeable, pleasant, supportive and always available to answer any questions. They really do go the extra mile! I couldn't have asked for people to help me on my...
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Reply from Raycine Ward
March 3rd, 2026 02:57 PM
I'm very grateful for your kind words, Audra. It was a pleasure assisting you on your home-buying journey. Ensuring that you felt supported and informed throughout the process was my priority. Your positive experience with me and my team truly...
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What made this experience great was the ability to to ask as many questions as possible and he had an answer for it. The communication was great between us. It made buying my first home stress free and easy.
Reply from Raycine Ward
February 15th, 2026 01:13 PM
I'm happy to hear that my communication and ability to address your questions made the home-buying process easier for you, Jacob. It's important to me that my clients feel informed and comfortable throughout such a significant journey. Thank...
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HE WAS SO AWESOME WITH EVERYTHING AND I THANK HIM.!!!!!!!!!!!
Reply from Raycine Ward
January 28th, 2026 08:14 PM
I'm grateful for your enthusiastic feedback, Matilda. It’s my goal to provide a supportive and seamless experience, and I’m glad to see that reflected in your words. Thank you for choosing Atlantic Coast Mortgage for your purchase, and I look...
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Mr. Ward was always available to discuss any and all documents that was needed for signature. His honesty and friendliness made it easy to ask him for help. He was always looking to find grants to help with the financing of a home. When I felt...
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Reply from Raycine Ward
January 28th, 2026 08:12 PM
Jannet, I truly appreciate your thoughtful feedback. It's important to me that you felt supported and informed throughout your home buying journey. I’m glad my honesty and approachability made it easier for you to seek guidance when needed....
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Answers to all of my questions was really helpful always emailed and return of phone
Reply from Raycine Ward
January 28th, 2026 08:13 PM
I'm grateful to hear that you found my responses helpful, Creighton. Answering questions promptly and thoroughly is important to me, and I'm pleased it made a difference in your refinancing experience with Atlantic Coast Mortgage. Thank you...
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The process moved quickly and smoothly. Everything was clear, and Ray was very helpful and available if I had questions.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm glad to know that the process was smooth and clear for you, Chandra. Being helpful and available to answer questions is a priority for me, so I'm pleased I could support you effectively. If there’s anything more you need or any future questions...
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Raycine Ward has received a review with 5 star rating from Fidella H
Reply from Owner
October 30th, 2025 01:51 PM
I appreciate your positive rating, Fidella. Thank you for trusting me with your mortgage needs. If you have any questions or future needs, feel free to reach out.
Ray made my first time homebuyer experience great and held my hand the entire process.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm grateful for your kind words, Fidellia. It means a lot to know that I could support you throughout your journey as a first-time homebuyer. Ensuring you feel guided every step of the way is important to me. If you ever have more questions...
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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)