Brittani Ratcliffe
Loan Originator
With over 15 years of experience in financial services and mortgage lending, Brittani Ratcliffe is known for her strong communication, networking skills, and genuine connections with clients and partners. Specializing in conventional, USDA,... Show More
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
I felt like I could call with any worry or question and that they had my back. They understood how much the goal of home ownership meant to me. I had a goal of how much I wanted to pay per month and they guided me through budgeting, property...
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Reply from Brittani Ratcliffe
November 4th, 2026 02:56 PM
Angela, I'm truly glad to hear that your experience with Waterstone Mortgage was supportive and empowering as you navigated such a significant chapter in your life. It was my pleasure to guide you through the process and help you achieve your...
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Brittani us Very professional, frienly, Knowledgeable & is an excellent communicator.
Reply from Brittani Ratcliffe
November 1st, 2026 08:51 PM
I'm grateful for your kind words, JD. It's wonderful to know you found me professional and knowledgeable during your experience with Waterstone Mortgage. Thank you for highlighting my communication skills!
Very helpful and answered all of our questions through the process . We appreciate having done business with waterstone .
Reply from Brittani Ratcliffe
November 1st, 2026 08:52 PM
I'm grateful to hear that you found my assistance helpful and that I could answer all your questions, Janette. It was a pleasure working with you at Waterstone Mortgage.
Brittany and Lauren was so helpful to keep us updated on our journey throughout our house buying thanks so much
Reply from Brittani Ratcliffe
November 1st, 2026 08:52 PM
I'm happy to know that Lauren and I could keep you updated during your house buying journey, Wayne. Thank you for your kind words and for choosing Waterstone Mortgage.
Brittani kept in touch on every hurdle and was able to answer questions and keep this deal looking smooth
Reply from Brittani Ratcliffe
October 30th, 2026 01:03 PM
I'm happy to know that I could guide you and your client through every hurdle and answer your questions, Mac. Thank you for trusting me with your clients. I look forward to the next one.
Thank you
Reply from Brittani Ratcliffe
October 26th, 2026 01:39 PM
It was a pleasure working with you at Waterstone Mortgage.
Brittany was an outstanding long officer to work with no matter what time of day or night I had a question she was there to answer my questions. I will be recommending her to other people.
Reply from Brittani Ratcliffe
October 26th, 2026 01:40 PM
I'm grateful for your kind words, Michael. It's great to know that I could assist you whenever you had questions, and I appreciate your intention to recommend me. Thank you for choosing Waterstone Mortgage.
I had a wonderful experience with Waterstone Mortgage, and I truly cannot thank Brittani Ratcliffe and her team enough for everything they did to help me purchase my home!As a first-time homebuyer, I had plenty of questions, and Brittani was...
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Reply from Brittani Ratcliffe
October 16th, 2026 04:46 PM
I'm so glad to hear that you had a wonderful experience purchasing your home, Ashley. It was my pleasure to assist you throughout the process, especially as a first-time homebuyer, and I'm grateful for your kind words about my team at Waterstone...
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Brittani is a Professional. She stayed very engaged with both myself, my clients and the other transaction parties. And plus she’s just a wonderful person and a joy to work with.
Rhett :)
Reply from Brittani Ratcliffe
October 7th, 2026 03:13 PM
I'm grateful for your kind words, Rhett. It's wonderful to hear that my engagement with you, your clients, and the other parties involved made a positive impact. Working with you through Waterstone Mortgage was truly a joy.
Brittani made everything easy and kept us up to date at all times.
Reply from Brittani Ratcliffe
October 12th, 2026 04:24 PM
I'm glad to hear that I could make the process easy and keep you informed throughout, Darrell. Thank you for sharing your experience with Waterstone Mortgage.
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About
With over 15 years of experience in financial services and mortgage lending, Brittani Ratcliffe is known for her strong communication, networking skills, and genuine connections with clients and partners. Specializing in conventional, USDA, FHA, and VA loans, she serves homebuyers in Virginia, West Virginia, and beyond, lending in 48 states through Waterstone Mortgage. Brittani is passionate about helping clients achieve homeownership. Outside of work, she enjoys family time with her husband and three children, and stays active in her community as an ambassador for the Montgomery County Chamber of Commerce.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Down Payment Assistance
Conventional Home Loan
DSCR Loans
Bank Statement Loans
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Year Started
2000
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS #1308660
Awards
Disclaimer
West Virginia Mortgage Broker Branch License #MBB-2403304.West Virginia Mortgage Lender Branch License #MLB-2403304.Illinois Residential Mortgage Licensee # MB.6760383. Waterstone Mortgage Corporation (NMLS #186434) is headquartered in Brookfield, Wisconsin, and is a wholly owned subsidiary of WaterStone Bank SSB (NASDAQ: WSBF). Equal Housing Lender. All loan requests are subject to credit approval and program guidelines. Information published on this site should not be construed as legal advice or credit counseling. Waterstone Mortgage Corporation is not a licensed real estate broker. Any advertisement on this page is an advertisement for real estate financing only and should not be construed as an advertisement for the sale of real estate. Disclosures & Licenses: https://www.waterstonemortgage.com/policies/disclosures-licenses General Disclaimer: https://www.waterstonemortgage.com/policies/terms-conditions