Mary Ratchford
About Mary Ratchford
The right advice could help you find the right mortgage for you. Let's work together.
Get approved in one day
The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
A HELOC with a fixed rate just for you.
Our Home Equity Line of Credit can help you fund home improvements & consolidate debt.
Get a personal loan.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Learn moreLow down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Learn moreVeteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Learn moreBank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Learn moreLock in your rate
Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.
Learn moreAccelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Learn morePhysician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Learn moreForeign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Reverse Mortgages
A great option for homeowners over 62 who need additional income to supplement their retirement income or pay for long-term care.
Learn more"We cannot say enough good things about working with Mary to purchase our first home. Not only does she standout out as an expert in her field, but her warm, kind, and approachable nature made the (otherwise daunting!) process of applying for a mortgage seem way less overwhelming. In today’s crazy market, we learned quickly that it really pays off to have someone that genuinely cares about you and your purchase in your corner. Mary was always available for questions and advised us around how to put forward the strongest offer possible, walking us through different products and strategies we would not have otherwise considered. Mary and her team were proactive and communicative from day one and made our closing happen in less than a month. It’s the combination of urgency, genuine care, AND industry knowledge that really makes Mary such an instrumental partner. We are so lucky to have worked with her, and will absolutely be recommending her to family and friends in the future."
Kristen K. - Point Pleasant, NJ | Apr 2024
"From beginning to end, Mary was very responsive to all of my questions. I could not have bought my home without her support and professionalism. My family, now has a place to call home, and for that I am so grateful."
Joann K -Pine Island, NY | Apr 2024
As first time home buyers, my wife and I were overwhelmed applying for a mortgage and purchasing our Condominium. After submitting our mortgage application, Mary guided us through the entire process and eased our anxiety! She has been our "Guide" and an Advocate. She is personable, accessible, and a great communicator. Mary is a professional and knowledgeable about Finance and Real Estate. She made sure she got us the best possible rate despite the unstable market. She also assisted us in acquiring homeowners insurance. When the mortgage rates (hopefully) go down, we will definitely refinance with her. Mary, Bernice and I thank you for all of your help we appreciate all that you did for us!! We highly recommend Mary.
Albert Bocchino- Morris Plains NJ
My husband and I are first time home buyers, Mary Ratchford was the best to work with. She was always available to answer any and all our questions. She would call us and go over all the financials with us. She truly goes above and beyond for her clients.
Ashlee Schwartz-Washington NJ
I lived in California my whole life and wanted to buy a home in Tennessee. Mary was referred to me, from my best friend, who also moved to Tennessee a few months before we did. I was told by my realtor that it would probably be best to use a lender who lived in Tennessee, and had a couple referrals to give me. I’m so glad that I didn’t take that advice and went with my best friend’s referral to use Mary Ratchford as my Lender. I couldn’t imagine anyone better than Mary Ratchford to handle this transaction. Mary went above & beyond to make the purchase of our new home smooth and stress free. She basically walked me through every single step of the loan process. She was quick to respond via phone call, text, or email to any questions or concerns I had. She was even on vacation a portion of time during the processing of my loan but knew I was on a tight time schedule and wanted to make sure I made all the deadlines and stayed in contact with me throughout the whole loan process. She definitely did not need to take time out of her vacation to do this as she had her team at Guaranteed Rate there to help me, but she continued working with me to make sure every little detail was completed. Mary is very knowledgeable, reliable, and kind. Mary goes above and beyond for her clients.I will continue to use Mary, as my lender, for any future purchases. If you’re looking for a lender who makes the loan process easy and who will truly look out for your best interests, I highly recommend Mary Ratchford.
Deanna Distel- Cookeville, TN
"Mary was the best! She made everything simple and easy to understand as first time homebuyers. Her communication was impeccable and she always made sure we were on the same page with everything. I'd recommend Mary to everybody!
Nicole S. - Hopatcong NJ | Feb 2024
"I lived in California my whole life and wanted to buy a home in Tennessee. Mary was referred to me, from my best friend, who also moved to Tennessee a few months before we did. I was told by my realtor that it would probably be best to use a lender who lived in Tennessee, and had a couple referrals to give me. I’m so glad that I didn’t take that advice and went with my best friend’s referral to use Mary Ratchford as my Lender. I couldn’t imagine anyone better than Mary Ratchford to handle this transaction. Mary went above & beyond to make the purchase of our new home smooth and stress free. She basically walked me through every single step of the loan process. She was quick to respond via phone call, text, or email to any questions or concerns I had. She was even on vacation a portion of time during the processing of my loan but knew I was on a tight time schedule and wanted to make sure I made all the deadlines and stayed in contact with me throughout the whole loan process. She definitely did not need to take time out of her vacation to do this as she had her team at Guaranteed Rate there to help me, but she continued working with me to make sure every little detail was completed. Mary is very knowledgeable, reliable, and kind. Mary goes above and beyond for her clients. I will continue to use Mary, as my lender, for any future purchases. If you’re looking for a lender who makes the loan process easy and who will truly look out for your best interests, I highly recommend Mary Ratchford."
Deanna D. - TN | Dec 2023
"This is our second time working with Mary; she is simply amazing. Mary and Denise (and the entire team) walked us through the entire process. Mary was always available to answer any questions and trouble shoot. Overall, they were incredible."
Karece G. - Phoenix AZ | Nov 2023
"Ours was a rather challenging transaction that included a 1031 exchange involving multiple properties. Mary Ratchford from GuaranteedRate went ABOVE and BEYOND to help make everything happen; and on time. I am not exaggerating when I say Mary was a thought partner, a guide, and advocate. She got us through the entire transaction."
Denise J. - Hacienda Heights CA | Oct 2023
"Everybody I dealt with was very professional and knowledged in their job"
Barbara F. - Bradenton FL | Aug 2023
"Service was great and Mary was SUPER responsive as always."
Jerald A. - College Park GA | May 2023
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