Mortgage Advisor · NEXA Lending

Built for the finish line.Focused on your success.

As a Team USA Coach and Mortgage Advisor, I know what it takes to perform when it matters most. I bring that same dedication, discipline, and pursuit of excellence to every client. My mission is simple: educate, empower, and guide you through the financing process with a clear strategy, consistent communication, and the confidence to make your next move.

Mike Ratliff headshot
Team USA Coach
Inline Speed Skating, 2022 to 2024 and 2026
Investor Focused
Strategies to build wealth and scale your portfolio
North Carolina
Licensed and local

Where are you starting?

Pick your path.

Homebuyers

First home, next home, or right sizing. Low down payment options and a clear plan from offer to keys.

Get pre-approved →

Real Estate Agents

Buyers who show up pre-approved, fast answers on offers, and a lender who keeps you in the loop to closing.

Partner with Mike →

Investors

DSCR, fix and flip, ground up construction, and HELOC. Qualify on rental income, not your W-2.

Talk investment loans →

The game plan

You'll always know where you are.

See the full process →
  1. 1
    Consultation
    Phone or Zoom. Your goals, budget and options.
  2. 2
    Application and pre-approval
    Full application up front, so your pre-approval is solid.
  3. 3
    Find your home and make an offer
    Shop with confidence alongside your agent.
  4. 4
    Processing and underwriting
    Appraisal, underwriting review, and any final documents.
  5. 5
    Clear to close
    Your Closing Disclosure arrives at least 3 days before closing.
  6. 6
    Closing day
    Sign, fund, and get your keys.
  7. 7
    Long game
    Refinance, next home, or first investment property. I'm still your guy.

Meet Mike

A passion for helping others achieve more.

My journey as an athlete, coach, and Mortgage Advisor has been built around one common purpose: helping people reach their full potential.

Whether I'm developing world-class athletes, educating homebuyers, empowering real estate professionals, or helping investors grow their portfolios, I believe success starts with education, preparation, and having the right people in your corner.

My commitment goes beyond helping you secure financing. It's about building lasting relationships, creating opportunities, and helping you achieve goals you once thought were out of reach.

Meet Mike →

Ready to get in the game?

Start online in minutes, or talk it through first.

Mike Ratliff Mortgage Team, powered by NEXA LendingMike Ratliff, Mortgage AdvisorNMLS 1711036
Licensed inNorth Carolina
NEXA Mortgage LLC, NMLS 1660690. 5559 S Sossaman Rd, Bldg 1, Ste 101, Mesa, AZ 85212. NMLS Consumer Access · PrivacyEqual Housing Lender. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.© 2026 NEXA Mortgage LLC