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
I was referred to Ray as well, and as a first-time homebuyer, he made the entire process stress-free and seamless. He took the time to clearly explain terms, reasons, and the “whys” behind each step. Throughout the experience, he was patient,...
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Reply from Owner
September 25th, 2025 01:05 PM
Your kind words mean a lot to me. It’s wonderful to know that as a first-time homebuyer, you found the process stress-free and seamless. I take pride in ensuring clarity and understanding through every step, and I’m glad I could provide the...
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As a first time home time homebuye, Ray made this Transaction seamless. He was patient, kind, and there. Thank You Ray, will be calling you back for the next transaction.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm grateful for your kind words, Whitney. It's rewarding to hear that you felt supported and that the transaction went smoothly. Your satisfaction is important, and I'm always here to assist with future needs. Feel free to reach out when you're...
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Raycine showed genuine care throughout the entire process. He went above and beyond to ensure that every part of the process was seamless and stress-free. I was initially overwhelmed, but Raycine was incredibly communicative. He promptly answered...
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Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm grateful for your kind words, Germaine. It's wonderful to know that you felt cared for throughout the process, and I'm pleased that my communication and attention to detail made a difference for you. Helping clients navigate the complexities...
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Mr Raycine, helped every step and provided detailed explanations. The teamwork with tye realtor and myself- were exceptional.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm glad to hear that you appreciated the detailed support and collaboration during your experience with Tidewater Mortgage Services. Working closely with your realtor and ensuring everything is clear and well-explained is important to me....
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Raycine Ward has received a review with 5 star rating from Chelsea B
Reply from Owner
September 11th, 2025 04:04 PM
I appreciate your rating, Chelsea. If you ever have more to share or any questions, feel free to get in touch.
we had a great experience
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm glad to hear of your positive experience, Chelsea. It's important to me that my clients feel well taken care of throughout the mortgage process. If there's anything else you need or if you have any questions in the future, please feel free...
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What made the experience great was the attention to detail and the consistency.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm grateful, Kavon, for highlighting the attention to detail and consistency I strive for. It means a lot to know that these aspects made your experience great. It's my goal to ensure every step of the process is thorough and reliable. If...
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Everything...
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you, Darrick, for your review. It's wonderful to know that you had a positive experience with everything during our time working together. If there's anything more you need or any questions arise in the future, I'm here to help. Feel...
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Very professional and good communicato.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you, Alberic, for your kind words. I'm glad to hear that you found my professionalism and communication valuable. It's important to me that my clients feel informed and supported throughout the process. If there’s anything more I can...
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Raycine Ward has received a review with 5 star rating from Lakeeta W
Reply from Owner
August 23rd, 2025 12:58 PM
Thank you, Lakeeta, for your kind words. I'm delighted to hear that your experience with the process was positive. It's my goal to provide the best possible service and ensure that everything runs smoothly for my clients. If you ever have any...
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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)