Leslie Ricketts, Rate NMLS #823398

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Leslie Ricketts, Rate NMLS #823398 Leslie Ricketts
VP of Lending
NMLS #823398
Rate, NMLS #2611
Equal Housing Opportunity

With 14 years of lending experience, Leslie Ricketts is passionate about helping individuals and families achieve their homeownership goals by building relationships that extend far beyond the closing table. She believes every client deserves personalized guidance, honest communication, and a lending partner who is committed to finding solutions, not simply completing transactions. Serving clients throughout Kentucky, Leslie is dedicated to providing a personalized lending experience to homebuyers across the Commonwealth, with a special focus on Scott, Fayette, Woodford, Henderson, Bourbon, Harrison, Clark, Madison, Jefferson, Anderson, Franklin, and Nicholas counties. She understands that every community and every borrower has unique needs, and she takes pride in being a trusted resource for clients navigating one of the biggest financial decisions of their lives. Leslie enjoys working with all types of homebuyers, from first-time buyers to seasoned homeowners, investors, and those looking to refinance. She has a special passion for helping first-time homebuyers navigate what can often feel like an overwhelming process. Watching her own adult children work toward homeownership has given her an even greater appreciation for the challenges today's buyers face, and she is committed to educating, encouraging, and empowering clients every step of the way. She also has a deep appreciation for serving veterans and active-duty military members. As the proud mother of a veteran, Leslie understands the sacrifices made by military families and considers it a privilege to help them achieve homeownership while making the most of the benefits they've earned through their service. Known for her problem-solving mindset, Leslie enjoys tackling even the most complex lending scenarios. She loves putting the pieces of the puzzle together and finding creative financing solutions that turn what may seem like a "no" into a "yes." Her goal is always to help clients move forward with confidence, knowing they have an experienced advocate in their corner. When she's not helping clients, Leslie enjoys spending time with her husband, their four children, their spouses, and their four grandchildren. Family is at the heart of everything she does, and that same care, dedication, and commitment are reflected in every relationship she builds with her clients. For Leslie, helping someone finance a home isn't just about a loan, it's about helping people build a place where lasting memories are made

Home prices were up in more than three-quarters of the nation’s metro markets in the third quarter of 2026, with the ave...
10/30/2026

Home prices were up in more than three-quarters of the nation’s metro markets in the third quarter of 2026, with the average home price sitting at $432,900. The Northeast region (4%) led the nation in price appreciation, followed by the Midwest (3.6%). 21% of markets saw home prices decline in Q3, showing there's still plenty of opportunities out there for buyers.

Need help navigating this evolving housing market? Let’s talk.
https://myoc.io/uF4s3/Hh0WJ



NMLS # 823398

With the economy remaining strong and inflation lingering, the Fed opted to hold interest rates during their latest meet...
10/29/2026

With the economy remaining strong and inflation lingering, the Fed opted to hold interest rates during their latest meeting. Mortgage rates are expected to stay about where they are in response. When rates hold steady, it takes some pressure off your home financing decisions. Instead of trying to anticipate what could happen next, focus on your timing, budget and other factors within your control.

If you’re in the market for a new home, let’s plan your next move.
https://myoc.io/uF4s3/FHZfW



NMLS # 823398

10/28/2026

The new car payment followed you home … and now it won't leave. New debt can creep into your homebuying process, impacting your mortgage approval by changing your debt-to-income ratio.

Before financing a large purchase, let’s talk about how it may affect your plan. After all, some things are better left lurking in the shadows.
https://myoc.io/uF4s3/JgfIn



NMLS # 823398

10/27/2026

Don’t blame ghosts for every creak, thud and clunk. There’s (probably) a perfectly normal explanation for the sounds your home makes. The real trick is keeping up with seasonal maintenance to prevent small issues from spiraling into bigger ones.

Review our home maintenance guide to get your home ready for spooky season.
https://myoc.io/uF4s3/HNsOi



NMLS # 823398

10/26/2026

Running more than one business, or managing income that doesn't move in a straight line? Standard income documentation isn't always built for that. For eligible business owners, a current 12-month profit and loss statement may offer a documentation path built for that kind of complexity.

If that sounds like your business, let's have a conversation.
https://myoc.io/uF4s3



NMLS # 823398

The home you can't get out of your head comes with a big price tag. But what does that number actually mean for your bud...
10/25/2026

The home you can't get out of your head comes with a big price tag. But what does that number actually mean for your budget? Income, down payment and monthly costs all shape your buying power. Learn what it really takes to purchase a $300K, $400K or $500K home to plan your next move with confidence.



https://www.rate.com/mortgage/resource/how-to-afford-a-300k-home
https://www.rate.com/mortgage/resource/how-can-i-afford-a-500k-house
https://www.rate.com/mortgage/resource/how-can-i-afford-a-million-dollar-house

https://www.rate.com/mortgage/resource/how-can-i-afford-a-500k-house?LOID=1000288

10/22/2026

Don’t go into your mortgage blind. A loan estimate gives you a preview of what your financing will look like, including the loan terms, interest rate and estimated payment. If mortgage lingo sounds like another language, I’m here to help.

Expand your homebuying vocabulary with our helpful guide or reach out to ask specific questions.
https://myoc.io/uF4s3/zrwkf



NMLS # 823398

10/21/2026

Planning to buy a home in 2027? Time to start the prep now. From building your savings to cleaning up your credit, a few smart moves today can help you get ready for what’s ahead.

Let’s talk about your specific options to create a custom financing plan for you.
https://myoc.io/uF4s3/awS23



NMLS # 823398

Pending home sales fell 7.3% in September, with signed contracts down in every region of the country. With less competit...
10/20/2026

Pending home sales fell 7.3% in September, with signed contracts down in every region of the country. With less competition, buyers who are ready may have more room to negotiate. Thinking about making a move while others wait?
https://myoc.io/uF4s3/mnauT



NMLS # 823398

10/15/2026

One home goal. More than one way to get there. Your path to homeownership doesn’t have to look like everyone else’s. I can help you explore the options that may fit your goals.

Let’s talk about what could work for you.
https://myoc.io/uF4s3/eqrVF



NMLS # 823398

Address

1084 E New Circle Road Ste 200
Lexington, KY
40505

Opening Hours

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

Telephone

+18598990532

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