Winchester, Ohio homebuyers: Connect with Jeff Ratliff, your dedicated Loan Officer at FIRST STATE BANK. Jeff expertly guides individuals and families through the mortgage process, specializing in both FHA and Conventional loans. Benefit from his in-depth knowledge and personalized service to find the ideal home financing solution. Available 9 AM to 5 PM, Jeff is committed to making your homeownership dreams a reality. Contact him today to explore your mortgage options and experience exceptional client support.