Victoria Ratcliffe brings over 30 years of experience in the mortgage industry and a deep understanding of the loan process from start to finish. As a Loan Processor at Coast Home Loans, she plays a key role in keeping files organized, efficient, and moving smoothly through the pipeline to closing.
Victoria’s background includes operations management, processing, and loan origination, giving her a well-rounded perspective on every step of the mortgage process. Her attention to detail, strong organizational skills, and extensive industry knowledge help ensure a seamless experience for both clients and realtor partners.
Outside of the office, Victoria enjoys spending time with her family and making the most of her time away from work.
Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.
FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.
If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!
Curious about refinancing your home in California? Rates are historically low and now may be the right time to start saving money every month!
Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!
