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
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 Owner
September 30th, 2024 03:04 PM
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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- Any questions we had, it was explained in full detail
- Kept in touch with us if there was an issue
- Returned phone calls
- Was patient with us through the whole process
- Made it a pleasure to work with them
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you so much for your thoughtful review, Veronica. I'm delighted to hear you felt well-informed and supported throughout the process. At Tidewater Mortgage Services, we strive to provide clear communication and patient guidance to all...
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Ray was very patient with us knowledgeable and informative through the whole process and always accessible
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm thrilled to hear that you had such a positive experience, Lawrence. It was a pleasure to assist you throughout your journey with Tidewater Mortgage Services. It's always my goal to provide informative, accessible service, and your feedback...
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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 Owner
November 2nd, 2024 12:36 PM
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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I can’t say enough great things about Raycine Ward, 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 me,...
read more
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
I'm thrilled to hear 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...
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Professional and knowledge
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you for your feedback! I'm glad to hear that you found our service professional and knowledgeable. It was a pleasure working with you, and we're here to assist you with any future needs!
Raycine Ward has received a review with 5 star rating from K B
Reply from Owner
September 19th, 2024 05:00 PM
Thank you, K, for the perfect rating. It's wonderful to know that you had a positive experience with me at Tidewater Mortgage Services. Customer satisfaction is always our top priority, and your feedback reaffirms the hard work we put in every...
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Ray was very friendly and welcoming from the start of contact. Great communication and quick turnaround time throughout entire process.
Reply from Raycine Ward
December 3rd, 2025 05:37 PM
Thank you so much for your kind words! It was a pleasure working with you, and I'm so glad you felt supported throughout the process. My team and I always strive to provide personalized service, and it's wonderful to know that you felt like...
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Raycine was accessible, knowledgeable, and patient throughout the process. Although I'm sure I wasn't, I felt like his only client. He and his team are phenomenal, and i can't possibly be more grateful. Highly recommend!!
Reply from Raycine Ward
September 24th, 2024 12:00 AM
Thank you so much for your kind words! It was a pleasure working with you, and I'm so glad you felt supported throughout the process. My team and I always strive to provide personalized service, and it's wonderful to know that you felt like...
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Raycine was accessible, knowledgeable, and patient throughout the process. Although I'm sure I wasn't, I felt like his only client. He and his team are phenomenal, and i can't possibly be more grateful. Highly recommend!!
Reply from Owner
September 17th, 2024 01:53 PM
Thank you so much for your kind words! It was a pleasure working with you, and I'm so glad you felt supported throughout the process. My team and I always strive to provide personalized service, and it's wonderful to know that you felt like...
read more
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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)