
Debbie Ratliff
Loan Originator | NMLS# 473018

Debbie began her banking career in 1973 in Anderson, IN. Out of all of the different banking experiences she has had mortgage lending is her favorite part. That is why she has been a mortgage lender for over 30 years. Debbie loves meetin... Show More
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The easiest process! Thank you Debbie for making it go smoothly !
Reply from Debbie Ratliff
July 29th, 2025 07:51 PM
I'm delighted to know that the process felt easy and smooth for you, Harlie. It's always my goal to ensure everything goes as seamlessly as possible. Thank you for trusting me with your purchase at First Federal Bank.
Debbie made me felt like she had known me all of her life and we have never met in person.
Reply from Debbie Ratliff
July 19th, 2025 05:27 PM
I'm so pleased to know that I was able to make you feel comfortable and familiar, even without meeting in person. It's important to me to create a connection with my clients, and I'm glad that came through in our interactions. Thank you for...
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She always responded to text or email questions no matter day of week or time of day . She one of the best in the business
Reply from Debbie Ratliff
July 2nd, 2025 02:17 PM
I'm thrilled to hear that you appreciated the responsiveness and support throughout your loan process. It was a pleasure assisting you with your purchase, and I am grateful for your kind words. Thank you for choosing First Federal Bank.
Lack of timeliness and communication locked rate without permission and didn't report rates clearly or send updated estimates when we switched from conventional to fha Marilyn was unpleasant to work with app was convenient but disconnect between...
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Excellent experience and always aval for questions .
Reply from Debbie Ratliff
May 21st, 2025 06:20 AM
I'm thrilled to hear that you had an excellent experience and found me always available for your questions. It was a pleasure assisting you with your purchase loan at First Federal Bank. Thank you for your kind words.
Just duplicate request for items I thought were already sent. May have been on the sender 😬
Easy everything done online
Reply from Debbie Ratliff
April 4th, 2025 03:55 PM
I'm glad to hear that the online process made your refinancing experience easy. It was a pleasure assisting you, and I appreciate your feedback.
Debbie kept us informed and was very personable . She is wonderful to work with!
Reply from Debbie Ratliff
April 1st, 2025 06:57 PM
I'm thrilled to hear that you had a positive experience. It was a pleasure working with you and keeping you informed throughout the process. Thank you for your kind words and for choosing First Federal Bank.
Debbie was extremely patient with me and coached me through the process of purchasing my first home. She made the process effortless.
Reply from Debbie Ratliff
March 28th, 2025 03:50 PM
I'm thrilled to hear that your first home purchase went smoothly. It was a pleasure to guide you through the process, and I'm glad I could make it effortless for you. Thank you for your kind words and for trusting me with such an important...
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she made me feel like if we were lifelong friends, trust inspiring, Debbie is great.
Reply from Debbie Ratliff
March 18th, 2025 11:00 PM
Felipe, it truly warms my heart to hear that you felt like a lifelong friend throughout the process. Building trust and making sure you feel comfortable is so important to me, and I’m thrilled to know that I was able to do that for you. Thank...
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About
Debbie began her banking career in 1973 in Anderson, IN. Out of all of the different banking experiences she has had mortgage lending is her favorite part. That is why she has been a mortgage lender for over 30 years. Debbie loves meeting and working with new clients and helping past clients with new mortgage needs.
She loves spending time with her family and friends, and enjoys being active at her church. Debbie has been married for over 45 years. She has two sons and three grandchildren.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
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Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 473018