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
Ray and his team made everything easy for us. They all communicated with us very well, and were able to answer every question we had.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm so glad to hear that you had a positive experience with us at Tidewater Mortgage Services. It was a pleasure working with you and making sure everything was clear and straightforward. If you ever have more questions or need assistance in...
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Was my first time going through the home buying situation and every question I had took the time to explain it to me so I would understand what I was doing really appreciated it ..
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
James, thank you so much for your kind words! I'm thrilled that I could help make your first home buying experience a bit smoother. It's important to me that you felt comfortable and informed every step of the way. If you ever have more questions...
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Mr Ray made Sure I understood what was happening step by step and answer questions so that i could fully understand what was going on during the entire process
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Joy, I'm thrilled to hear that you felt informed and supported throughout the process. It was a pleasure working with you and ensuring you had a clear understanding each step of the way. If you have any more questions in the future, don't hesitate...
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I recently had the pleasure of working with Ray Ward during the purchase of my new home, and I cannot express enough how grateful I am for his exceptional service. From the very beginning, Mr. Ward was incredibly helpful, knowledgeable, and...
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Reply from Raycine Ward
July 18th, 2025 12:00 AM
I'm thrilled to hear about your positive experience, Chanell. It was my pleasure to guide you through the home buying process and provide the support you needed. I'm glad that my explanations and assistance helped you feel confident in your...
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I recently had the pleasure of working with Ray Ward during the purchase of my new home, and I cannot express enough how grateful I am for his exceptional service. From the very beginning, Mr. Ward was incredibly helpful, knowledgeable, and...
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Reply from Owner
July 17th, 2025 01:42 AM
I'm thrilled to hear about your positive experience, Chanell. It was my pleasure to guide you through the home buying process and provide the support you needed. I'm glad that my explanations and assistance helped you feel confident in your...
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Mr. Ward helped me from getting my accounts in order at the beginning of the process, all the way to the end. Whether I made a phone call or sent an email, he was always available to assist in whatever I needed. I will always be grateful for...
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Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Hi Chanell, it was a pleasure to assist you throughout your mortgage process. Your 5-star rating means a lot to me and to the whole Tidewater Mortgage Services team. I'm always here to help with any future needs. It's customers like you that...
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Raycine Ward has received a review with 5 star rating from Eric H
Reply from Raycine Ward
December 24th, 2024 12:00 AM
I deeply appreciate your kind words, Elizabeth. It was a pleasure guiding you throughout the process. Your satisfaction is my top priority, so I'm thrilled to hear that my patience was beneficial to you. If you have any further questions or...
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Raycine Ward has received a review with 5 star rating from Eric H
Reply from Owner
December 21st, 2024 12:26 PM
I deeply appreciate your kind words, Elizabeth. It was a pleasure guiding you throughout the process. Your satisfaction is my top priority, so I'm thrilled to hear that my patience was beneficial to you. If you have any further questions or...
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Raycine was helpful throughout the entire process. Racine displayed incredible patience.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I deeply appreciate your kind words, Elizabeth. It was a pleasure guiding you throughout the process. Your satisfaction is my top priority, so I'm thrilled to hear that my patience was beneficial to you. If you have any further questions or...
read more
All good thanks Mr Ray job well done staff was great
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Hi Thomas, I'm thrilled to hear that you had a positive experience with us at Tidewater Mortgage Services. It was my pleasure to assist you and I'm glad to know that my team and I were able to meet your expectations. Thank you for taking the...
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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)