Ray Ward at Atlantic Coast Mortgage

Your Trusted Mortgage Advisor—Here to Guide You Home.

Let’s Make Your Next Move, Your Best Move!

With 26 years of experience in the mortgage industry, Ray Ward is a Senior Loan Officer who brings deep knowledge and a thoughtful, client-focused approach to each home loan process. He supports homebuyers, homeowners, and real estate partners with clear guidance on a wide range of mortgage options, helping clients move forward with confidence.

Ray works extensively with Conventional, FHA, VA, USDA, and Virginia Housing loan programs, along with in-house processing, underwriting, and closing that help create a coordinated and well-supported experience from application to closing. For borrowers exploring renovation opportunities, he also provides insight into FHA 203(k) and HomeStyle Renovation financing.

As a resource for first-time homebuyers, returning clients, and homeowners at every stage of their journey, Ray is known for his steady communication style and his ability to help borrowers understand the structure and requirements of today’s most common mortgage programs. Realtors appreciate his responsiveness, market knowledge, and proactive approach to keeping transactions on track.

Originally from Albany, NY, Ray graduated from Wagner College with a degree in Accounting. He is licensed in Virginia and North Carolina, working alongside a team dedicated to providing reliable service and fostering long-term client relationships.

Outside the office, Ray enjoys cooking, fishing, traveling, and spending time with his family—experiences that shape his grounded, relationship-driven style and his commitment to supporting clients through every step of the home loan process.

Licensed in:

North Carolina, Virginia

This is an advertisement and is not a commitment to lend.

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Ray Ward

Loan Officer NMLS ID 264957

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