Brittani Ratcliffe at Waterstone Mortgage NMLS #1308660

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Brittani Ratcliffe at Waterstone Mortgage NMLS #1308660 Brittani Ratcliffe is a home loan originator at Waterstone Mortgage in Christiansburg, VA. They also love going to the pool in the summer.

Brittani Ratcliffe has more than 15 years of experience in the financial services and mortgage lending industries. As a mortgage professional, she is known for her effective communication, exceptional networking skills, and ability to build genuine connections with her clients and business partners. Brittani offers a variety of home loan options, including conventional, USDA, FHA, and VA loans. While she primarily serves homebuyers in Virginia, West Virginia, and the New River Valley region, she has the ability to lend in 48 states, through Waterstone Mortgage. Brittani is passionate about helping her clients achieve their homeownership dreams. Outside of work, Brittani enjoys spending time with her family, which includes her husband Jeffrey and their three children, Maci, Emeree, and Gunner. Their children are active in sports, so the family spends many weekends together at the gym. Brittani earned her bachelor’s degree from Bluefield State College and graduated from the New River Valley Leadership Program in 2022. She currently serves as an ambassador for the Montgomery County Chamber of Commerce, and she is an active member of New Valley Fellowship church in Narrows, Virginia.

How much money do you actually need to buy a home? 🤔It’s one of the most common questions homebuyers have — and the answ...
11/01/2026

How much money do you actually need to buy a home? 🤔

It’s one of the most common questions homebuyers have — and the answer isn’t simply “your down payment.”

Depending on your purchase, you may also need to plan for things like:

🏡 Down payment
📝 Closing costs
🔍 Home inspection
đź’° Earnest money
đźšš Moving expenses

The good news is that some of these expenses may be offset by assistance programs, seller contributions, or other options, depending on your situation.

Instead of guessing at a savings goal, let’s chat. Together, we’ll put together a plan for what homebuying could actually look like for you.

11/01/2026

EARLY VOTING ENDS TOMORROW!!!

Make a plan to vote early if you think you might be tied up on Election Day. The New River Valley needs to put up strong numbers in support of Republican candidates up and down the ticket — ensure that your vote is locked in by voting EARLY if you aren’t sure about your Election Day plans!!

Click the link below to find your early voting location 🇺🇸

https://www.elections.virginia.gov/casting-a-ballot/early-voting-office-locations/

Every ghost deserves a house to haunt. 👻🏡 Happy Halloween!
10/31/2026

Every ghost deserves a house to haunt. 👻🏡 Happy Halloween!

When it comes to home financing, there’s no one-size-fits-all solution. Every homebuyer has different financial goals, c...
10/30/2026

When it comes to home financing, there’s no one-size-fits-all solution.

Every homebuyer has different financial goals, circumstances, and needs. That’s why finding the right mortgage program is so important.

At Waterstone Mortgage, we offer a variety of specialty loan options designed to help you find a financing solution that fits your situation. đź’ˇ

Explore our specialty loan programs and discover what’s possible: https://bit.ly/4kq1hQD

Address

225 Central Avenue
Christiansburg, VA
24073

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+15405997320

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