Brittani Ratcliffe at Waterstone Mortgage NMLS #1308660

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.

Dreaming of celebrating the holidays in a new home?The fall season is a great time to start planning if you'd love to sp...
09/16/2026

Dreaming of celebrating the holidays in a new home?

The fall season is a great time to start planning if you'd love to spend the holidays making memories in a new place.

Buying in the fall often means less competition, more negotiating power, and sellers are more motivated.

Plus, getting started now gives you time to plan your move before the holiday rush.

If buying a home is on your holiday wish list, let’s take the first step in your journey together. Send a message to discuss your options.

One of the biggest topics homebuyers have questions about? Credit. 📈Your credit score is one of several factors lenders ...
09/13/2026

One of the biggest topics homebuyers have questions about? Credit. 📈

Your credit score is one of several factors lenders consider during the mortgage process. While a higher score may help you qualify for more favorable loan options, there are loan programs available for a wide range of credit profiles.

A few ways to strengthen your credit:
✔ Pay bills on time.
✔ Keep credit card balances low.
✔ Avoid opening multiple new accounts before applying for a mortgage.
✔ Review your credit report regularly for accuracy.

Learn more about how your credit score impacts your mortgage here: https://bit.ly/4glDE9N

Today, we pause to remember the lives lost on September 11, 2001, and honor the courage of the first responders, service...
09/11/2026

Today, we pause to remember the lives lost on September 11, 2001, and honor the courage of the first responders, service members, and everyday heroes who stepped forward in a time of unimaginable tragedy.

We remember. We honor. We will never forget.

Breaking news! 📣 Waterstone Mortgage has increased its conventional loan limit to $845,000 (up from $832,750) for loans ...
09/10/2026

Breaking news! 📣 Waterstone Mortgage has increased its conventional loan limit to $845,000 (up from $832,750) for loans funded on or after September 10, 2026.

For qualified buyers, the higher limit may provide more financing flexibility when considering higher-priced homes. Ready to see what this could mean for your home search?

Get pre-approved: https://bit.ly/4fA1lcg

Think a down payment is what's standing between you and homeownership? The reality is, there are so many down payment as...
09/09/2026

Think a down payment is what's standing between you and homeownership?

The reality is, there are so many down payment assistance programs available, but many people never realize they're eligible because they don't know where to look.

Here’s an easy place to start. ⬇️ Just answer a few quick questions, and this tool will show you programs that match your situation.

If buying a home is on your radar — even if it's a "maybe someday" — it's definitely worth checking out.

Start your search for down payment assistance here: https://bit.ly/4y2HrQ6

Happy Labor Day! 🇺🇸 Whether you're spending today relaxing with loved ones, firing up the grill, or simply enjoying the ...
09/07/2026

Happy Labor Day! 🇺🇸 Whether you're spending today relaxing with loved ones, firing up the grill, or simply enjoying the comfort of home, have a safe and relaxing Labor Day!

Would qualifying based on your property's income instead of your personal income change your investing strategy?Watersto...
09/03/2026

Would qualifying based on your property's income instead of your personal income change your investing strategy?

Waterstone Mortgage’s Cashflow Pro for Investors focuses primarily on whether the property generates enough rental income to cover the mortgage — not your W-2 or tax returns.

For the right investor, that can open doors to growing a portfolio without the same hurdles as traditional financing.

Curious if it's a fit for your investment goals? Start here: https://bit.ly/4qGzGMm

Summer may not be over just yet, but are you...☀️ Team Summeror🍂 Team Fall?Would you rather spend the afternoon by the p...
08/31/2026

Summer may not be over just yet, but are you...

☀️ Team Summer
or
🍂 Team Fall?

Would you rather spend the afternoon by the pool or curled up under a blanket with a warm drink?

Tell us which season feels more like home in the comments! 👇

A temporary buydown is a mortgage loan option in which the seller or lender reduces the interest rate for the first 1-3 ...
08/27/2026

A temporary buydown is a mortgage loan option in which the seller or lender reduces the interest rate for the first 1-3 years of the homebuyer’s loan.

What does this mean for homebuyers?

✅ Buying a house is expensive — you can use this financing option to ease into your mortgage.
✅ Temporary buydowns are especially great for those who don’t want to wait for interest rates to drop to buy a house but would like to take advantage of some savings upfront.
✅ Seller won’t go for it? Consider Smart Start, our LENDER-PAID buydown option.

Learn more: https://bit.ly/45hRPWS

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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