Mike
Ratliff
Mortgage Advisor
NMLS 1711036
As a Mortgage Advisor with NEXA Mortgage, the nation’s top broker with access to over 200 lenders, I specialize in finding custom mortgage solutions tailored to each client’s unique financial situation. My goal is to provide a seamless, stress-free experience, ensuring you secure the best possible financing for your home purchase, refinance, or investment.
With a background in mortgage advising, coaching, and sales leadership, I bring a unique combination of strategic problem-solving, attention to detail, and client-focused service. My experience in guiding individuals toward success—whether in home financing, competitive athletics, or business—has shaped my approach to helping clients navigate the mortgage process with confidence and clarity.
With nearly two decades of experience in sales, management, and customer service, I understand the importance of clear communication, attention to detail, and delivering results. Whether you're a first-time homebuyer, seasoned investor, or looking to refinance, I’m committed to helping you succeed with a mortgage plan that truly fits your needs.
Let’s work together to find the best solution for you!
Find the Right Loan for You
We make financing simple, flexible, and tailored to your needs. Whether you're buying, investing, or refinancing, we have the right loan solution for you
Loans for Property Investors
DSCR Loan (Debt Service Coverage Ratio)
Qualify based on rental income instead of personal income—perfect for real estate investors looking to expand their portfolio.
Loans for Unique Financial Situations
Non-QM Loan (Non-Qualified Mortgage)
Designed for self-employed borrowers and those with non-traditional income, offering flexible credit and income guidelines.
Loans for Home Sellers Buying a New Home
Bridge Loan
A short-term financing solution that helps homebuyers purchase a new property before selling their current home.
Loans for Paying Off High-Interest Debt
Cash-Out Refinance
Access your home’s equity to pay off credit cards, personal loans, or other high-interest debt.
Loans for Military Service Members & Veterans
VA Loan
Exclusive benefits for U.S. military veterans, including lower interest rates and little to no down payment required.
Loans for Rural Homebuyers
USDA Loan
A zero-down mortgage with lower rates and relaxed credit requirements—ideal for homes in eligible rural areas.
Loans for Well-Qualified Borrowers
Conventional Loan
A great choice for buyers with strong credit, offering competitive rates and fewer restrictions.
Loans for High-Value Homes
Jumbo Loan
Financing for luxury properties that exceed conventional loan limits, with borrowing amounts based on location.
Loans for First-Time Homebuyers
FHA Loan
A low down payment option with flexible requirements—perfect for those purchasing their first home.