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Lee Ratliff

Mortgage Loan Originator

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Articles by Lee Ratliff (4)

The New Appraisal Report Explained: UAD 3.6 Changes for Buyers, Sellers and Realtors
Buying a HomeConventional Loans

The New Appraisal Report Explained: UAD 3.6 Changes for Buyers, Sellers and Realtors

The old appraisal forms were retired on November 2, 2026. Here is what the new dynamic report changes, why gross living area disappeared, and what to do differently on your next transaction.

Lee RatliffNovember 6, 2026
Cash-Out Refinance vs. HELOC vs. Home Equity Loan: Which Option Makes Sense?
Home EquityRefinancing

Cash-Out Refinance vs. HELOC vs. Home Equity Loan: Which Option Makes Sense?

Three common ways to access home equity work very differently. Compare cash-out refinance, HELOC, and home equity loan to understand which may fit your situation.

Lee RatliffSeptember 14, 2026
What Does “No Closing Costs” Really Mean on a Mortgage?
Mortgage BasicsClosing Costs & Fees

What Does “No Closing Costs” Really Mean on a Mortgage?

A “no-closing-cost” mortgage generally doesn’t mean nobody is paying the costs. Understand how costs may be structured so you can compare offers accurately.

Lee RatliffSeptember 14, 2026
Should You Consider Refinancing to a 15-Year Mortgage?
RefinancingMortgage Basics

Should You Consider Refinancing to a 15-Year Mortgage?

A 15-year mortgage can help you pay down principal faster, but refinancing isn’t always about lowering your payment. Learn how to compare your options.

Lee RatliffSeptember 14, 2026