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 am a first time homeowner and the mortgage process was pretty daunting. Ray Ward provided EXCELLENT service through his communication, coordination and overall professionalism. Without Ray and his team, I wouldn't have been able to close...
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Reply from Owner
July 17th, 2025 01:40 AM
Thank you so much, Karisma, for sharing your experience. I'm glad I could help make the mortgage process smoother for you as a first-time homeowner. Your kind words about my communication and dedication are truly appreciated. It was important...
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I am a first time homeowner and the mortgage process was pretty daunting. Ray Ward provided EXCELLENT service through his communication, coordination and overall professionalism. Without Ray and his team, I wouldn't have been able to close...
read more
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm thrilled to hear that your first home buying experience was a success. It was a pleasure to assist you, and I'm grateful for your kind words about my service and team. Your satisfaction is very important to us, and I'm glad I could help...
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He got us approved to close within a month! !!!!!!He was very thorough and always had an open line of communication sometimes even available on weekends and he asked for the documents necessary. He didn't make me do any unnecessary work and...
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Reply from Raycine Ward
May 12th, 2025 09:23 AM
I'm thrilled to hear about your seamless experience with the mortgage process. It was a pleasure to assist you in achieving a swift and efficient closing. I appreciate your kind words and your willingness to recommend our services to your friends...
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He got us approved to close within a month! !!!!!!He was very thorough and always had an open line of communication sometimes even available on weekends and he asked for the documents necessary. He didn't make me do any unnecessary work and...
read more
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm thrilled to hear that your experience was so positive and that we were able to close your loan swiftly. It's great to know that the communication and streamlined process made a difference for you. Thank you for your recommendation, and...
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Ray has been great throughout the entire process! As a first time homebuyer, he answered all my questions in terms that I could understand. His correspondence is prompt, whether it's early morning, late evening, or the weekend. He made sure...
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Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm delighted to hear that your homebuying process was smooth and informative. It was a pleasure assisting you, and I appreciate your kind words about my professionalism and expertise. If you have any future questions or need further assistance,...
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The accessibility of Ray and patience he displayed with us. Great to work with.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Sheila, thank you so much for your kind words! I'm really glad to hear that you found me accessible and patient throughout the process. It was a pleasure working with you, and I'm thrilled that you had a great experience. If you ever need anything...
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I want to express my sincere gratitude to Mr. Ward and the team at Tidewater Loan Company for their outstanding service throughout my home-buying process. Thanks to their professionalism and dedication, I was able to successfully close on my...
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Reply from Owner
July 17th, 2025 01:41 AM
Thank you, Bryce, for sharing your kind feedback. It was truly a pleasure to assist you in closing on your second home. I'm glad to hear that my expertise and attention to detail helped make the loan process smooth and stress-free for you....
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I want to express my sincere gratitude to Mr. Ward and the team at Tidewater Loan Company for their outstanding service throughout my home-buying process. Thanks to their professionalism and dedication, I was able to successfully close on my...
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Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Bryce, thank you for your kind words and for taking the time to share your experience. It was a pleasure working with you on securing your second home, and I'm thrilled to hear that you found the process smooth and stress-free. Our team at...
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Ray is very professional. The loan process went as smooth as possible. He is very thorough with educating you, leaving no question unanswered. I would recommend Ray to anyone looking to apply for a loan to purchase or refinance.
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Reply from Owner
July 17th, 2025 01:41 AM
Thank you, Erykah, for your wonderful feedback. I'm glad to hear that you found the loan process to be smooth and that my thoroughness in educating and addressing your questions was helpful. It's important to me that clients feel supported...
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Ray is very professional. The loan process went as smooth as possible. He is very thorough with educating you, leaving no question unanswered. I would recommend Ray to anyone looking to apply for a loan to purchase or refinance.
read more
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you so much, Erykah, for your kind words and the fantastic review! I'm thrilled to hear that you found the loan process smooth and informative. It was a pleasure working with you and ensuring all your questions were answered. I'm grateful...
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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)