Vickie Ratliff
I offer personalized, transparent service and tailored solutions for a smooth, stress-free home financing experience.
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About
Vickie Ratliff
Welcome to LeaderOne Financial, where it's our goal to be Your ONE Home Loan Partner!
With over 20 years of experience in the mortgage, banking and real estate industry, I have dedicated my career to helping people. I, like many individuals and families, believe that working hard and being able to own a home is one of the greatest accomplishments we can obtain, not only for ourselves, but for future generations. As a loan originator and small business owner, for many years I have had the opportunity and privilege to help individuals and families achieve their dreams of homeownership. It is an honor to work with individuals and families to help them achieve these dreams.
Throughout my career, I’ve developed many strong, lasting partnerships with real estate professionals, individuals, builders and financial advisors who trust me to deliver exceptional service to and for their clients. These relationships are built on consistent communication, reliability, and a solutions-driven approach. I believe referral partners deserve a lending partner who not only protects their reputation but enhances it, and I work tirelessly to do just that.
My commitment to the customer experience has earned me customer referrals and 100% satisfaction rating. Every client — whether a first-time homebuyer or a seasoned investor — will receive personalized guidance, clear communication, and a mortgage strategy tailored to fit their needs and long-term goals. I take pride in being both a resource and an advocate, ensuring every client feels confident and supported throughout the entire process.
With access to a wide range of loan options such as: Conventional, FHA, VA, USDA, Jumbo, Renovation, Construction, HELOCs, Down Payment Assistance, Reverse Mortgages and more - I'll help you find the right fit!
If you’re a referral partner looking for a dependable, experienced lending professional — or a customer searching for a trusted guide on your home financing journey — I’d love the opportunity to work with you. Let’s connect and meet your goals to build something great together. We will walk this road together.
Your home loan journey, right from your phone
The LeaderOne App makes getting started simple. Begin your application, securely connect your income and employment information, and complete verification—all from your mobile device. Everything syncs seamlessly, giving you a clear path forward while your LeaderOne loan partner guides you each step of the way.
Your information is protected with industry-leading security, matched to the right loan options, and moved quickly from application to approval. No pressure. No obligation. Just a smarter, smoother way to move home.
How to Get Approved
Get a head start by securing your pre-approval. This step helps you understand how much you can borrow, giving you a clear picture of your budget and boosting your confidence when house hunting.
Now that you know your budget, it’s time to find the perfect home! Your real estate agent and our team will work together to ensure your dream home is within reach.
Once you’ve found the home, the next step is submitting your official loan application. We’ll guide you through providing all the necessary documentation to make this process as smooth as possible.
During underwriting, we carefully review your financial information and the property details. This ensures everything meets the required guidelines. Our team will keep you updated throughout the process.
Mortgage Calculator
Enter the total loan amount you want to borrow.
Download Your Homebuying Guide
Fill out this form to get instant access to your free homebuyer guide and start your journey to owning your dream home. Inside, you’ll find expert tips and simple steps to make the process easy and confident.
More About Us
Who we are
LeaderOne is built on the belief that homeownership should feel clear, supportive, and empowering, not overwhelming. For more than three decades, we have combined modern mortgage tools with genuine personal guidance to help families move forward with confidence. We listen closely, communicate transparently, and tailor every experience to the goals of the people we serve.
Our Values
At LeaderOne, we put People First while using Continuous Innovation to make the loan process faster and clearer. Through Empowered Collaboration and the Power to ACT, our teams work together to solve problems quickly and serve clients with confidence. Every interaction is guided by personal care, accountability, and doing what’s right.
Our Impact
At LeaderOne, every loan we close helps support families beyond our own. A portion of each transaction goes directly into the Lending a Hand Foundation, providing financial relief to families facing hardship, through assisting with rent and mortgage payments. Our giving culture also extends into the communities we serve through local outreach, volunteerism, and hands-on support.
