Email: [email protected]
Tel: 912-667-7117


Mortgage Loan Originator

NMLS # 2105708

Joe Ratterree is a Mortgage Loan Originator at Trident Home Loans, a veteran owned and operated lender in Pensacola, FL. Joe specializes in originating VA loans, and conventional loans for primary, secondary and investment properties. He lives in Atlanta, GA, is licensed in 11 states and has assisted many borrowers navigating the challenges of purchases and refinances. Joe thoroughly enjoys not only helping clients reach their goal of obtaining a loan, but also educating them in the process. Joe’s passion for service, education, and commitment were cultivated from his experience as an active duty Air Force Pilot. During this time he amassed over 2000 instructor flight hours, deployed several times and earned numerous awards including 3 air medals. He is currently a simulator instructor and check pilot for Delta Air Lines on the Boeing 737. Finally, Joe is a real estate investor with numerous rental properties and enjoyed helping investors purchase and refinance their rental homes. Much like his Air Force career Joe maintains a passion for serving and educating his clients and because of his experiences as a veteran, an investor, and an airline pilot he is uniquely positioned to guide borrowers through the financing process. At home Joe is a proud husband to his wife, Kendall and father to his two boys Joe (5) and James (1).

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State Licenses

Alabama: 80238, Arkansas: 129632, California – DFPI, Colorado: 100526575, District of Columbia: MLO2105708, Florida: LO89837, Georgia: 2105708, Kansas: LO.0050744, Missouri: 2105708, New Jersey, North Carolina: I-201215, Ohio: MLO-OH.2105708, Texas – SML, Virginia: MLO-55429VA, Washington: MLO-2105708.


Joe Ratterree | Trident Home Loans


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6723 Plantation Road, Pensacola FL 32504