Providing smart lending and savvy solutions

Kelly Ratzloff

Meet Kelly

My goal is to earn your confidence, exceed your expectations, and become your trusted Mortgage Lender. Put my experience to work for you!

My knowledge, loyalty and outstanding customer service is sure to make your mortgage process a positive experience - resulting in relationships to last a lifetime.

Expertise & Specialties

  1. First-time Homebuyers
  2. Conventional Loans
  3. Refinance
  4. Purchases
  5. Down Payment Assistance Loans
  6. FHA

Tools and Resources


Download my electronic business card and get resources to help with your mortgage research.

Receive 24/7 access to various tools and calculators to help you research mortgage or refinance options. You can easily share this app with friends and family.

With access to multiple investors, we give clients the flexibility of highly competitive rates and a wide variety of loan programs. We have access to portfolio financing, which provides clients with more financing options

  • Calculate payments
  • Real time rate trends
  • Request a pre-approval
  • Share with family friends & clients

Homebuyer Education

Each program has different homebuyer education requirements.  Contact me to talk through the right homebuyer education course for you. Click Details below to view program links.


Click the link to download my digital business card!

With the Popl digital business card, you can make sure that you have my most up-to-date contact information!