Ray Ward Mortgage Team- Your Lender for Life

05/29/2026

5.0 star review received on Experience.com for Raycine Ward by Chevanice H R - Thank You ! Working with Raycine Ward at Atlantic Coast Mortgage was an astounding experience from start to finish. He was extremely knowledgeable, professional, and always available to answer my questions throughout the entire process. He made everything feel smooth, stress-free, and easy to understand. His communication was excellent, and he truly went above and beyond to make sure I got the best outcome possible. I appreciated his patience, honesty, and dedication every step of the way. I highly recommend him to anyone looking for an extraordinary loan officer who genuinely cares about his clients.

Click to see all 222 reviews of Raycine Ward, Loan Officer | NMLS ID #264957

05/07/2026

5.0 star review received on Experience.com for Raycine Ward by Brandon H - I've heard horror stories as too how frustrating house buying could be. I had zero stress and Ray was very punctual and professional. I definitely recommend him to anyone who is looking to buy a home.

Click to see all 220 reviews of Raycine Ward, Loan Officer | NMLS ID #264957

04/16/2026

04/16/2026

5.0 star review received on Experience.com for Raycine Ward by Angel S G - Ray provided World Class Service, as always. Ray and his team are top-notch! Thanks again!

Click to see all 219 reviews of Raycine Ward, Loan Officer | NMLS ID #264957

04/14/2026

5.0 star review received on Experience.com for Raycine Ward by Leah S - As first-time home buyers, my husband and I greatly appreciated Ray walking us through the entire process. From the moment I first spoke with him, he was personable and approachable. He had amazing communication with us throughout the whole process; he was always available to talk when I had questions. We are so happy we went with Ray and Atlantic Coast Mortgage to help us with buying our first home!

Click to see all 218 reviews of Raycine Ward, Loan Officer | NMLS ID #264957

03/03/2026

5.0 star review received on Experience.com for Raycine Ward by Jeffery M - Working with Ray and the ACM team was pleasing and professional . Every step of the process was easy especially with ACM app. The communication was superb and always straightforward . I would recommend ACM to anyone that is looking for a painless and professional company to do business with pertaining to their mortgage.

Click to see all 198 reviews of Raycine Ward, Loan Officer

12/07/2025

Mortgage Rates Back Down Near Recent Lows
30 Yr. Fixed: 6.23% (-0.07% ▼) | 15 Yr. Fixed: 5.75% (-0.04% ▼) |

View today's current mortgage rates with our national average index, calculated daily to bring you the most accurate data when purchasing or refinancing your home. Follow our daily market analysis with Mortgage Rate Watch and we'll tell you where and why rates are moving.

11/14/2025

🚨 Exciting News for Homebuyers! 🚨

I’m thrilled to share that Atlantic Coast Mortgage (ACM) has officially acquired Tidewater Mortgage Services (TMSI) — and this is great news for anyone planning to buy a home!

This partnership brings together ACM’s advanced technology, expanded loan options, and national-level resources with the strong customer service and community values TMSI has built over the last 25+ years.

What this means for YOU:
🏡 More competitive loan programs
⚙️ Faster, more efficient loan process
📱 Better tools to help you stay informed and confident
🤝 A team focused on making homeownership smoother than ever

I’m excited about the upgrades coming your way and honored to continue supporting you on your homeownership journey.

👉 Full press release: https://www.prnewswire.com/.../atlantic-coast-mortgage..

11/01/2025

Have you heard that real estate is local? That means you can trust a local expert more than national media reports. If you're wondering how our market looks, reach out. I'll be glad to help. Tidewater Mortgage Services, Inc. is an Equal Housing Lender.

10/30/2025

5.0 star review received on Experience.com for Raycine Ward by Chandra B F - The process moved quickly and smoothly. Everything was clear, and Ray was very helpful and available if I had questions.

Click to see all 210 reviews of Raycine Ward, Senior Loan Officer | NMLS # 264957