Mary Ratchford Mortgage Loan Originator NMLS 261640

08/04/2026

Have you been shopping for a new home for over a year ? Have any of your offers been below the list price ? Are you ignoring your agents advice on suggested offer price ? If you have answered yes to anyone these questions , take a listen 👂 and learn more DM for more info

07/28/2026

Rate Concierge is a complimentary service we offer to our clients to help transition them into their new homes with ease … we can help coordinate electric , gas , water , sewer , wifi , cable and more ! We can help make your transition easier AND give you a great mortgage …. Take a listen 👂

07/16/2026

The mortgage business is quickly evolving ; new mortgage products are released constantly at Rate and you need to be creative and stay ahead of the curve to capture every possible opportunity….reach out to me and explore what I can do for you and your buyers

07/08/2026

You can choose to have the mortgage company pay your property taxes and insurance OR pay them direct yourself with a down payment of 20% or more … take a listen 👂 and learn more ! DM me for information

07/02/2026

Buyers need a strong team in place to orchestrate a seamless transaction while being advocates during the buying process

07/01/2026

JUNE CLOSINGS 🏡✨

A huge thank you to my clients, referral partners, and everyone who trusted me to be part of the process. Your confidence means the world, and I’m grateful for the opportunity to help make each transaction as smooth and stress-free as possible.

Summer is officially here, and the market isn’t slowing down! ☀️ If you’re thinking about buying, refinancing, or simply want to understand your options, I’d love to help you create a plan that works for you.

Here’s to an even stronger second half of the year! 🥂

06/22/2026

06/15/2026

Sometimes an employment opportunity arises at an inopportune time … don’t pass it up ! I can make a job change work while you are in the process of getting a mortgage 💸 take a listen 👂 to learn more

05/19/2026

Closing Day is the BEST DAY … providing you take the proper precautions when wiring the funds due at closing

Take a listen 👂 and learn more! DM for more info

05/11/2026

Purchasing a coop is a great alternative to paying rent when you work in NYC though there are nuances you should be aware of…take a listen 👂 and learn more