

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
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Brittani was extremely helpful, easy to get in contact with, and very nice. I would highly recommend her to anyone!
Reply from Brittani Ratcliffe
March 29th, 2026 06:20 PM
I'm pleased to know that you found my assistance helpful and that staying in contact with me was easy, Kaleigh. Your recommendation means a lot, and I'm grateful for your kind words. If there’s ever anything more you need, don’t hesitate to...
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Excellent service!
Reply from Brittani Ratcliffe
March 29th, 2026 06:19 PM
I'm pleased to know you found the service excellent, Victoria. Thank you for your kind words and for trusting me with your mortgage needs. If there’s anything else I can help with, please don’t hesitate to get in touch.
Brittani was very helpful throughout the entire process and explained everything as we went.
Reply from Brittani Ratcliffe
March 28th, 2026 08:21 PM
Desiree, I'm pleased to hear that you found the guidance helpful throughout the process. It was important to me to ensure everything was clear for you along the way. If you have any further questions or need assistance in the future, please...
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Very smooth to work with an great people with great communicatio.
Reply from Brittani Ratcliffe
March 21st, 2026 12:41 PM
I'm pleased to know that the process went smoothly for you, Zachary. Effective communication is key, and I'm glad that aspect stood out during your experience. Thank you for choosing me to assist with your mortgage needs. If there's anything...
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She did a great job at meeting our needs within a timely manner, and did well with answering any questions we had :)
Reply from Brittani Ratcliffe
March 6th, 2026 10:03 PM
I'm pleased to hear that I was able to meet your needs and provide timely answers to your questions, Jessica. Thank you for sharing your feedback. If there's anything else you need, feel free to reach out to me anytime.
I was impressed with your communication and how informative you were. I know I asked a ton of questions and you were always responsive.
Reply from Brittani Ratcliffe
March 6th, 2026 10:04 PM
It's wonderful to know that you found my communication helpful and informative, John. I'm glad I could provide the responsiveness you needed throughout the process. Thank you for your kind words and for trusting me with your mortgage needs....
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Quick and easy
Reply from Brittani Ratcliffe
February 25th, 2026 09:50 PM
I'm glad to hear that your experience was quick and easy, Austin. Thank you for choosing me for your mortgage needs and for sharing your feedback. If there's anything more I can do for you, feel free to reach out.
Brittani was excellent in understandind our needs
Reply from Brittani Ratcliffe
February 5th, 2026 04:12 PM
I'm grateful for your feedback, I'm pleased to know that I was able to understand your needs effectively. Thank you for taking the time to share your experience with me at Waterstone Mortgage.
Brittani was always prompt and explained everything so the average person could understand. She worked wonders with my tight budget and understood my urgency for moving.
Reply from Brittani Ratcliffe
January 22nd, 2026 02:09 PM
I'm pleased that I could assist you with your budget and sense of urgency, Sarah. Explaining everything in a way that makes sense is a priority for me, and it's good to hear it was helpful for you. Thank you for your kind words and for placing...
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Highly recommended!
Reply from Brittani Ratcliffe
January 20th, 2026 08:14 PM
Thank you for the recommendation, Caleb. I'm glad I could meet your expectations, and I appreciate you taking the time to share your feedback.
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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