---
canonical_url: https://lendb.ai/lo/ray-ward-264957
json_url: https://lendb.ai/lo/ray-ward-264957.json
nmls_id: 264957
last_verified: 2026-10-09
---

# Ray Ward

Loan Officer at Atlantic Coast Mortgage. NMLS ID 264957 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/264957)).

**Summary:** Ray Ward (NMLS 264957) is Loan Officer at Atlantic Coast Mortgage. Lists North Carolina and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, Renovation loan (203k / HomeStyle), USDA loan, VA loan and First-time buyer. States 26 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 26 (source: https://www.atlanticcoastmortgage.com/lo/ray-ward/, verified 2026-10-09)
- Licensed in: North Carolina (NC, lender_reported), Virginia (VA, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.atlanticcoastmortgage.com/lo/ray-ward/
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.atlanticcoastmortgage.com/lo/ray-ward/
- **USDA loan** (`usda`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.atlanticcoastmortgage.com/lo/ray-ward/
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.atlanticcoastmortgage.com/lo/ray-ward/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.80, verified 2026-10-09. Source: https://www.atlanticcoastmortgage.com/lo/ray-ward/

## About

Ray Ward brings 26 years of mortgage industry experience, offering expertise in Conventional, FHA, VA, USDA, and renovation financing. He is known for steady communication and helping borrowers understand mortgage programs.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 26. Source: https://www.atlanticcoastmortgage.com/lo/ray-ward/, verified 2026-10-09.
- education: Wagner College, degree in Accounting. Source: https://www.atlanticcoastmortgage.com/lo/ray-ward/, verified 2026-10-09.
- community: Enjoys cooking, fishing, traveling, and spending time with family. Source: https://www.atlanticcoastmortgage.com/lo/ray-ward/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Atlantic Coast Mortgage (NMLS 643114). Source: https://www.atlanticcoastmortgage.com/lo/ray-ward/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/264957

## Contact

- View profile at Atlantic Coast Mortgage: https://www.atlanticcoastmortgage.com/lo/ray-ward/

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/264957
- lender_site: https://www.atlanticcoastmortgage.com/lo/ray-ward/

Cite as: Ray Ward (NMLS 264957), Atlantic Coast Mortgage. LenDb.ai, https://lendb.ai/lo/ray-ward-264957, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._