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
Being given the knowledge to become a first time home buyer. The customer service that was provided with the additional help when it was needed.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you, Al, for sharing your experience. I'm pleased to hear that the support and information I provided were beneficial for your journey as a first-time homebuyer. It's important to me that my clients feel supported and informed throughout...
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Ray is personable, knowledgeable and available. He is responsive; calls, emails and texts. Good to have on your team.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you, Lori, for sharing your experience. I'm glad to hear you found my approach personable and appreciated the responsiveness through various channels. It's important to me to be available, whether by call, email, or text. I'm happy to...
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Mr Ward was very professional, knowledgeable and helpful. We highly recommend working with him.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you for your wonderful feedback, Bradley. I'm glad to hear that you found my assistance to be professional and helpful. Your recommendation means a lot to me. It was a pleasure working with you, and I hope I could make the process straightforward...
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It was great team work.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you, Surya, for recognizing the collaborative effort. I'm pleased to have been part of a team that worked well together to assist you. If there’s anything more I can do or if you have any future needs, don't hesitate to reach out.
My questions were always answered. The lines of communication was always open and everything was explained in detail. Mr . Ward as well as the rest of the staff went above and beyond I appreciate all of their work. They walked us through each...
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Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm thrilled to hear that you had such a positive experience with us, Melinda. It was a pleasure assisting you and ensuring that all your questions were answered thoroughly. Our team is dedicated to providing clear communication and support...
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I am beyond pleased with the experience I had with Ray and the team at Tidewater Mortgage. They are professional and efficient which made this process as stress free as possible. Thank you Ray for your guidance and expertise!
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Reply from Owner
July 2nd, 2025 04:31 PM
I'm thrilled to hear that you are pleased with your experience, Rachel. It was a pleasure guiding you through the process, and I'm glad we could make it as stress-free as possible. Thank you for your kind words about our team at Tidewater Mortgage...
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I am beyond pleased with the experience I had with Ray and the team at Tidewater Mortgage. They are professional and efficient which made this process as stress free as possible. Thank you Ray for your guidance and expertise!
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Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm delighted to hear that you had such a positive experience with us, Rachel. It was a pleasure guiding you through the process, and I appreciate your kind words about our team's professionalism and efficiency. Thank you for choosing Tidewater...
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Good Evening,From the beginning to the end, I was met with exceptional customer service!Mr. Ward and his team provided excepti service. The team was quite responsive in answering my numerous questions. Mr. Ward and his team made the home buying...
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Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm delighted to hear that your home buying process was seamless. It was a pleasure assisting you, and I'm glad my team and I could provide exceptional customer service and responsiveness to your questions. Thank you for your kind words about...
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Working with Ray has been a game changer!He’s not just a lender — he’s a true partner in the homebuying process. Ray is patient, knowledgeable, and always breaks things down so you understand every step. He communicates quickly, keeps everything...
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Reply from Owner
July 17th, 2025 01:44 AM
Thank you, Shatiera, for such an enthusiastic review. It’s important to me that my clients feel informed and confident every step of the way, so it’s great to hear that my communication and approach resonated with you. Being on of your partners...
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I’ve referred clients to Ray and have been impressed with how well he educates them on the mortgage process. From credit repair to pre-approval, he offers full-service guidance and makes sure buyers feel informed every step of the way. Highly...
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Reply from Owner
June 19th, 2025 01:52 PM
I'm thrilled to hear that you have been impressed with the service provided. It's important to me that clients feel informed and supported throughout the mortgage process. Thank you for your recommendation and for trusting me with your referrals....
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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)