experienced. trusted. partners.

Interest rates are like the stock market - no one can predict what they will be tomorrow.  But, we have programs that allow you to lock your rate for up to 90 days!  That gives you plenty of time to shop for a new home and potentially avoid stressful bidding wars!

Allows you to qualify for a mortgage, excluding your current house payment.  This can allow you to make a non-contingent offer to buy another home.

State and local DPA and grant programs provide many benefits to:

• 1st Time Home Buyers
• Veterans
• Repeat Buyers

Ask us and we'll help you find the best program for you.  Some of our clients have received as much as $25,000 of down payment assistance.

Today, many people are suffering from OFFER REJECTION SYNDROME  or (ORS).  We have been providing the cure which includes:

1. Work with a local lender like Ratti Lending for a stronger offer that can win the contract.  Online offers are considered weaker and often have a higher rate and more problems closing on time.
2. Use the Ratti Lending proprietary #WinTheContract process at time of offer.  Ask us for details.
3. Work with a Realtor like The Donnelly Group who has intimate knowledge of the area you are seeking to live.
4. Surround yourself with a team of industry experts including insurance, title, lender, and Realtor. (Although well-intentioned, family and friends may not offer the best advice.)

We provide educational resources, workshops, and tools to help you make more informed decisions.  Browse our website or contact a member of the team today!

• Contact a Loan Officer at Ratti Lending
• Contact a Realtor at The Donnelly Group