Introducing Ray Ward: Your Trusted Mortgage Advisor

Navigating the intricate world of home financing is a journey that demands a knowledgeable and experienced guide. Meet Ray Ward, a senior loan officer with a remarkable 26 years of experience in the mortgage industry. His profound expertise and dedication are your assurance as you explore the diverse financing options available to you. Whether you’re in the process of buying, selling, refinancing, or constructing your dream home, Ray’s mission is to ensure you find the perfect mortgage solution that aligns with your personal and family goals. His commitment to excellence and client satisfaction is the cornerstone of his approach, aiming always to exceed your expectations with superior mortgage services.

Specialized Expertise for Diverse Needs

Ray specializes in a comprehensive array of mortgage transactions including Conventional, FHA, VA, Virginia Housing, and USDA loans—all processed, underwritten, and closed within his team to streamline your experience. He also offers innovative renovation portfolio programs, such as FHA 203K & Homestyle, extending additional flexibility to qualified clients. His dynamic team, rich in experience and customer service excellence, is dedicated to forging strong, successful client-lender relationships.

A Life Rooted in Values and Exploration

Hailing from Albany, New York, Ray’s academic journey led him to Wagner College, where he graduated with a Bachelor’s degree in Accounting in 1997. Beyond his professional life, Ray is a family man, blessed with a loving wife, seven children, and nine grandchildren. His leisure time is spent enjoying valuable moments with his family, indulging in cooking, fishing, and traveling whenever possible. Ray’s passion for exploring new destinations and cultures not only enriches his life but also broadens his perspective, allowing him to appreciate the world’s diversity and beauty.

Ray Ward is duly licensed in both North Carolina and Virginia, holding the following licenses:

• NC License #: I-215958
• VA License #: MLO-2969VA

In Ray Ward, you will discover not just a senior loan officer but a dedicated advisor, committed to navigating you through the complexities of mortgage financing with integrity, expertise, and a deep commitment to your needs. He embodies the essence of professionalism and the spirit of exploration, making him the ideal partner in your journey toward homeownership.