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
The process was so smooth! Ray was so kind and was always available to answer any questions or concerns . I would highly recommend Ray, he is professional,, patient and he took his time and didn''t rush/ harass me into making a decision. I...
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Reply from Raycine Ward
December 24th, 2024 12:00 AM
Thank you so much for your kind words and thoughtful review! It was truly my pleasure to help you through the home-buying process. I’m so glad to hear that you felt supported and never rushed—making such an important decision deserves all the...
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Raycine and Erykah were fantastic!
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm thrilled to hear that you had a fantastic experience with us, Na'Im! It was a pleasure working with you and we're glad to have been able to meet your expectations. In Tidewater Mortgage Services, we always strive to provide top-quality...
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The process was so smooth! Ray was so kind and was always available to answer any questions or concerns . I would highly recommend Ray, he is professional,, patient and he took his time and didn''t rush/ harass me into making a decision. I...
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Reply from Owner
December 5th, 2024 10:02 PM
Thank you so much for your kind words and thoughtful review! It was truly my pleasure to help you through the home-buying process. I’m so glad to hear that you felt supported and never rushed—making such an important decision deserves all the...
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The process was so smooth and Ray was so kind and was always available to answer any questions or concerns . I would highly recommend Ray, he is professional,, patient and he took his time and didn''t rush/ harass me into making a decision....
read more
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Angeline, your words of appreciation truly warmed my heart. I'm thrilled to know that your experience with Tidewater Mortgage Services was smooth and satisfactory. It means a lot that you felt comfortable and unrushed in making your decision....
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Hands down THE BEST mortgage lender to work with while navigating the purchase of your properties. Ray Ward and his team are excellent!!
Reply from Owner
November 2nd, 2024 12:37 PM
Hi Tiffany, Your kind words and excellent review have made my day. I'm so excited to hear that you felt well taken care of every step of the way by myself and the team at Tidewater Mortgage Services. Your trust in us means a lot. Your experience,...
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From day one of me having contact with Mr. Ward and his team I knew I was going to be taken care of. I was treated with the utmost respect, care, and professional courtesy I could have ever imagined or asked. Did I also mention how they were...
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Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Hi Tiffany, Your kind words and excellent review have made my day. I'm thrilled to hear that you felt well taken care of every step of the way by myself and the team at Tidewater Mortgage Services. Your trust in us means a lot. Your experience,...
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Mr. Ward was very easy to work with and answered all my questions and concerns. He also provide outstanding advise to help me make the best informed decisions for this application.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm glad to hear that you found our working relationship to be easy and informative, Antinio. It was my absolute pleasure to assist you in understanding the application process and I'm thrilled that my advice was helpful in making your decisions....
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I never felt like I was another number. He was timely, direct and respectful. He give me time and attention needed throughout this process.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you so much for your kind words, Jerry. I'm thrilled to hear that you felt valued and respected throughout our interactions at Tidewater Mortgage Services. Your satisfaction is my top priority, thus I'm glad that the time and attention...
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I can’t say enough great things about Raycine Ward (RAY), the Senior Loan Officer at Tidewater Mortgage Services. From the beginning of my mortgage journey, Raycine demonstrated an unwavering commitment to securing the best possible loan for...
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Reply from Raycine Ward
January 1st, 1970 12:00 AM
Thank you for such positive feedback, Kayana! It was a real pleasure to walk you through your mortgage journey and help secure the best possible loan for you. Your acknowledgement of my dedication and commitment means a lot to me. I'm glad...
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We work with Ray for over a year on the purchase of our new home. He was very patient took his time with us to explain everything to us, and if he didn’t know the answer at that point, he did find out and got back with us in a timely fashion...
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Reply from Raycine Ward
October 24th, 2024 12:00 AM
Lawrence, I'm thrilled to hear that you had a positive experience while working with me at Tidewater Mortgage Services. Your kind words and the 5-star rating mean a lot to me. I always strive to serve my clients with patience and dedication,...
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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)