"****Continued*** (Part 3) In the end, my family is living in a place that turns out to better than anything we ever expected. I will absolutely let Bill and Berna help us purchase a house when the time is right. I can’t possibly state enough what a blessing it was to find Bill and Berna with Ratterree Realty. Our prayers have been answered and thank you so much for affecting our lives in such a wonderful way! "

  -Lawrence and Family, Client

"I have been working with Bill and Berna for my first home buying experience and they have been fantastic! They have been very caring from the start; I immediately felt comfortable with them and I knew I found the right team to help me. Berna looked at my situation from top to bottom and said “You can do this!” She advised me on what to do to strengthen my credit scores and has guided me every step of the way. Even when I became discouraged during the process she would genuinely encourage me. She stayed in constant contact with me and ensured I was always in the know. As we viewed homes Bill’s knowledge was superb; he’s always able to spot things that the consumer wouldn’t notice and provide excellent advice based on my needs versus wants. With his help I found the PERFECT home that meets all my wants and needs at an awesome price! When you get excited about buying a home, they get excited about it, too! They treat the experience as if it is their own; they are truly in it with"

  -Linda Williams-Jasper, Client

"**Continued** (Part 2) When I met Bill and Berna from Ratterree Realty, LLC our prayers were answered and that is not embellishment. We had no idea what to do. There was even an apartment community that told us if we prepaid 6 months rent we could live in their community. That would have been $12000 plus a double deposit. We felt hopeless until we met Bill and Berna. My wife and I scheduled a meeting and we were nervous. Bill and Berna made us feel so comfortable we were able to discuss our situation and they really understood. In a matter of ten minutes we were shown how to improve our credit score even with the Chapter 13. They explained their system to help us, and it made complete sense. We never would have been able to find a place without their help."

  -Lawrence and Family, Client

"It's my pleasure to recommend Berna and Bill as "first responders" to persons who are new to purchasing a home or who desire to rebuild their credit. They are knowledgable, compassionate and provide real time solutions to your questions and concerns. What impresses me the most is that they are willing to go the extra mile for their clients.  Call them first! You will not be disappointed.  Best wishes for their continued success. "

  -Fred S., Client

"It was a pleasure to deal with Berna and Bill not just professionally but personally as well. They were available any time even when matters arose not strictly connected to their job. It was a great team. Thanks to both of you"

  -Salvina, Client

"A few years ago I was faced with having to find a new tenant and restore my property, which had almost been destroyed. A friend of mine referred me to the Petrys, and I cannot say enough about their professionalism, kindness, and courteous service. Not only have they helped me find good tenants, they have also helped me find skilled, licensed, and dependable contractors. To this day, I still thank my friend for the referral because the Petry's knowledge of the business, rapid response time, and wealth of information that they have generously shared with me has been invaluable! If you want a hard working team that you can count on, I highly recommend the Petrys!"

  -Doreatha M., Client

"Berna and Bill are the not only the greatest real estate team, they are amazing wonderful people to. I have never felt so cared about in the world of customer relations, they truly work hard to help you into your new home. We started in the 500's of a credit score, and we were after our dream home, we felt it would never happen, but after all was said and done Berna got us in the mid 600's and put us in our dream home with a interest rate of 4.25%!!!!!! She will truly work day and night for you, she is an honest wonderful person and really fights for you and cares. Our family will be forever grateful for her making our dream come true. I know sometime when you read these recommendations you ask yourself "are these real posts" yes trust me I am a real client and will forever use the Berna Able team!"

  -The Gwinner's, Client

"Excellent Realtor and professional service, they will help your dream to own a home come true!"

  -Sherrie, Client

"Bill and Berna were the most professional team i have ever had the pleasure ofworking with. They were with me through evey step of the home buying process and was always available for a phone call or text. It seemed at times that I was there only client, as they were so quick to respond. If you are looking to buy and are unsure if you are able to do so. I would not hesitate to call and work with them. As a matter of fact, if ever i decide to move or buy another house, they WILL be my fist call. Thanks for a great Experience! "

  -J. Thomas, Client

"I have recommended Bill and Berna Petry to everyone that is thinking of purchasing a home. From day one when my son recommended them to me, they treated me like family. They were with us through out the entire process of buying our home. They made the experience of buying a home very easy and pain free. All questions were answered and explained in full details. They guided us through this process from the loan application until the day we moved into our new home. They were right by our side, teaching and encouraging us. They made it such a wonderful experience and my wife and I can't Thank them enough for such caring and professional service. I would proudly recommend them to anyone who wants great friendly service, from two people that really know the housing business."

  -Donald Cowles, Client

"I would highly recommend Berna Able and Bill Petry to anyone looking to purchase a home. We started the process during 2013. They both worked very diligently with us throughout the process by telling us the steps we needed to take in order to become home owners. During this process, Berna instructed us what and how to increase credit scores and pay off old debts. Berna is very good with putting you with the right lenders and explaining the documentations that will follow. She will not allow you to be mislead or deceived. Bill was always looking ahead at properties while Berna worked behind the scenes. Bill provided his expertise every time we looked at a different property. It truly paid off. We closed on our house on the 23 of May 2014, and we have been in heaven every since."

  -Brian and Tonya Woods, Client

""Berna went above and beyond from what was expected of her. She is a very caring real estate agent and I felt very fortunate to have her assist me with the home buying process in this new market! Being a previous home buyer, many things have changed and as issues arose, she was first at bat to overcome it and make sure the process went as smoothly as possible. Thank you for everything, we love our new home!""

  -Jenny Bagwell (posted 2013), Client

"Berna and Bill are very knowledgeable and most professional. They help my wife and I prepare to purchase a home by helping us repair our credit. Everything they suggested improved our credit every month, they helped us set realistic goals and were right on target with out time expectancy to purchase a home. They gave us a goal of a year to purchase from the time we first met with them, and we were at closing in 9 months. Berna and Bill were very understanding and never pushy, they always were respectful of our time and money. I can't say enough about the service my wife and I received, they provide the customer service a person dreams to have when purchasing anything. I would recommend and have recommended their service to any and everyone I know. I was able to meet Berna and Bill through one of their clients who recommended me to them due to their positive experience. "

  -Rashawn Cowles, Client

"Bill and Berna are amazingly wonderful friends who works well together. They provide excellent customer service and put their clients needs first. Being a first time home buyer was eventful. Berna and Bill were right their with me through this whole process: answering questions, showing me homes, checking and encouraging me. Thank you for finding a lending that gave me a great interest rate and mortgage payment. Lender that will patiently address your questions and concerns. Most importantly thank you Bill and Berna for showing me a Beautiful Tricord home that I purchased. I want to personally say thank you and God Bless you for all your hard work, dedication and strength. Thank you for not giving up on me. I really appreciate you both. I highly recommend Bill and Berna. "

  -Nicole Daniels, Friend

"Halleluiah, I’m a homeowner once again! I give honor to God and I thank Him for allowing my path to cross Bill and Berna Petry. They are genuinely wonderful people!! I am the client mentioned by Berna that filed bankruptcy 2 years and 1 day before closing on my home on September 25th. I am still amazed of the dynamic support I received from the Petry Team. They are both amazing people and very supportive! I always knew I would become a homeowner again, but I didn’t think the process of homeownership after bankruptcy would be easy, but it was very easy!! Berna guided me through the process of increasing my credit score and Bill showed me wonderful homes. I will definitely support their team by recommending others to utilize the skillset this team has acquired over the years to help people who has challenges with credit history. Way to go Team!!! "

  -Y.Myers, Client

"Though our home search. Both Bill and Berna were right there not matter what the question or concern was. They helped us through the entire process of buying our home. Coming from bankruptcy and low credit scores they worked with us to insure we found a great home to blend out families. Thank you for all your help. "

  -Angelina and William, Client

"Congratulations to CB and his family for the purchase of their new home! We started with low scores but within 6 months you have the key to your new home! The buyer's program does work..."

  -B and B Team, Other

"Berna has been amazing from the start she really worked with me and explained anything and everything and was by my side every step of the way even when I decided to build my home she helped me all the way through and worked hard to make sure I closed on my home !! "

  -Myranda Rollins, Client

"I don't know what words can express my gratitude towards Berna and Bill. They were absolutely amazing with my situation I was dealing since 2016. I had a mortgage issues that trickled out of the whole 2008 crisis. To make a long story short, I fought the bank and I decided that the time and energy doing so was not as important as the time spent with my family. In the end, I foreclosed on the home. This is where Berna and Bill came to the rescue. I had 30 days to find a home. They were able to find me a rental, given my current credit issues, in a matter of days. This alone was a weight of my shoulders. Berna and Bill didn't stop there. After we moved and the past was behind me, they helped me rebuild my credit so I could purchase a house again after the 3 year penalty. There process worked, 2019 I was able to purchase a home again! Thank you Berna and Bill for being amazing people, and helping me during dark times! I highly recommend them, hire them you won't regret it!"

  -Jorge V, Client

"My wife and I would highly recommend Berna Able with Ratterree and Associates. She has proven to be a very knowledgeable, realible Realator. Mrs Able is a professional, courteous, realiabe and supportive of her clients. She returns calls and answers questions of her clients. We thank you Berna for helping us to find our dream home Robert & Betty"

  -Robert and Betty Jones (Posted 2012), Client

"Initially, I was skeptical thinking their program was similar to a get rich quick scheme. However, it didn't take me long to know that this team is the real deal. They both work extremely hard for you in finding you a home, even with bad/poor credit. There is nothing that stops them from moving forward on your needs and providing you with the service that they guarantee will assist in you meeting your goals. They have made me and my family very happy with the home we are in, thanks to their diligent and never ending achievements. In the future, I look forward to working with them again."

  -William kent, Client

"I have moved a number of times during my military career and dealt with many Realtors as I bought, sold and/or rented a home. I always felt that many of the Realtors were just going through the motion and did bare minimum for me to achieve whatever I was trying to do – buy, sell or rent a property. About three years ago I had the privilege of meeting Berna Able as I was trying to rent one of my homes. I was immediately impressed with her professional demeanor and her willingness to assist. After agreeing to have her list my property, not only was she extremely thorough with all the paperwork involved, she was always responsive to everything that I asked or needed but most importantly – she was very honest and sincere about everything she did! Because of Berna’s professionalism, thoroughness, honesty and can do attitude; I have been doing business with Berna ever since. She has helped me to purchase a few more investment/rental properties and also find wonderful tenants in a timel"

  -B. Naraine, Client

"Berna Able is in a class by herself with regards to the professionalism she brings to the real estate industry. She treats her clients with the upmost respect and they always come first. I have worked with Berna for almost a decade and the reason I cherish our relationship is because of how she treats everyone and keeps all parties involved in the transaction on task to get the deal to the closing table. I would and have recommended her to numerous other people and have never been let down by her. In real estate there are always things that can cause stress during the transaction, but having someone like Berna in charge of things keeps heads calm progress moving in the right direction. Anyone would be lucky to work with Berna!!! Adam N. (Oct 2012)"

  -Adam Newman, Colleague

"Bill and Berna worked with me to find a home for my family in a neighborhood that I absolutely love. I look forward to using their team next year through the buying process and I would recommend them to anyone looking for a professional team for guidance. "

  -A. Jackson, Client

"*Continued (part 2) refinance or if I do decide to sell my home or buy a new one!!! Again, I would strongly recommend Berna because she will work with you from beginning to an end; she will stand by you to give you support!!! "

  -Tony and Ann, Client

"USDA - 100% LOAN - given to TG following a short sale one year ago....."

  -TG, Other

"Working with Berna and Bill made our homebuying experience painless. They were both amazing to work with. We found a home and closed on it in 30 days! We couldn't have done it without them. I highly recommend them for anyone looking for a home!"

  -Cynthia and Kevin, Client

"After a month of trying to rent my house out on my own, I turned to Berna. I had a poor experience with another realtor recently so I was hesitant to hand things over to Berna and Bill but I am so glad I did! Berna was able to quickly find a tenant for my property with just one open house! And not only a tenant, but a rent to own tenant which is exactly what I was hoping for! In dealing with her over the past several weeks I have found her to be extremely professional, responsive, and always willing to go above and beyond to help me during the process. She and Bill have been particularly helpful in keeping me up to date on things and assisting me in getting the house ready for occupancy. I would highly recommend their services and will use them for any future needs that I have in the VA area. You can't go wrong with Berna and Bill! "

  -Lisa Hodge, Client

"I have recommended they to anyone I know. They are extremely supportive and patient, very professional. They take the time to explain things and make sure you understand it before moving on. If I had to do it again I'd definitely go with them. Thank You two so much when things were crazy Berna can sooth the anxiety. I am extremely blessed to have haf them in my corner during my purchase!! Thank you both! Stay Blessed!"

  -Karen Spurill, Client

"First I would like to start by saying thank you so much to the Petry Team for all there hard work. From start to finish this team worked none stop to provide superb support, guidance and tones of knowledge. If you need a home and regardless if you "think" it can not be done. Please consult with Bill and Berna Petry first. Very professional, honest, helpful and hardworking people. Dedicated to there clients needs."

  -Tony Davis, Client

"Berna is fabulous. She sold me my first home. She is with you during the whole process. I have enjoyed Berna and have referred her services to family friends. I highly recommend Samson Properties to anyone. "

  -Nicole , Client

"Bill and Berna can work magic, even with the most difficult of clients!! They keep a happy face and the customer happy no matter how hard it gets. Then never give up, until they find the perfect house for your family. By the way Bill and Berna, M was the first in the pool with the day after we moved in!! Great Job and you have my phone number you may share for a recommendation from me anytime. Respectfully, James Roach Former United States Marine!!"

  -James Roach, Client

"Bill and Berna made our dream of home ownership come true! They worked hard to find us a lender, and they worked hard to make things move forward for us. We are thankful to have our first home and were very happy with their services."

  -Mr. & Mrs. Perch, Client

"Words couldn't even begin to describe how my family and I feel about Berna Able and Bill. They helped us when no one else could. We were in a difficult situation and were losing all hope. They worked diligently to get us the home we wanted, showed us how to repair our credit, how to maintain our credit, and explained every step of the way. They are great people. We were so blessed to have met them. I would recommend them to anyone! I don't know where we'd be without them. I can never thank them enough."

  -Madison, Client

"Another client gets the keys to their home today.  Owning a home after bankruptcy is possible even if your score isn't perfect....  2 years and one day after bankruptcy - owning a home made possible."

  -Berna Petry, Other

"I am a second time home buyer and did not know much about the home purchasing process for the first time until I met Ms. Able. She is so passionate about what she does and very good at it. She took time to walk me through the process through email correspondents, texting and more importantly having meetings in her office. She advocated on my behalf from ensuring my credit report meets criteria to identifying homes and showing. I cannot thank her enough for putting in my dream home. I love it!! Wency! "

  -Wency Chapnkem, Friend

"Bill and Berna Petry are an excellent team. They know the process hands down and will always steer you in the right direction. They were always honest with me and answered all my questions. Sometimes I felt like I was driving Bill crazy but he is very patient and accommodating. Bill and Berna really take a vested interest in helping you get the home that you really deserve. I had some crying spells, frustration and a few disappointments but in the long run I found that home I want and I am so delighted. If you are looking for a team who has your best interest at heart. Use Bill and Berna. I love you guys!!!!"

  -Leslie Brown, Client

"This week, we have approved 4 new buyers who didn't think they could own. One had late payments and collections as recent as last month, another experienced a short sale one year ago, the third has open collections and can buy without paying them--with his VA loan, and the last one had a bankruptcy, foreclosure and open collection accounts after the bankruptcy - but they can buy due to the lender's we are affiliated with and their extraordinary circumstances..."

  -Berna, Other

"I have worked with Berna Able many times over the past 10 years handling the closings for her clients. This is one Realtor who will take on clients that may not have the best credit which other Realtors may not even want to bother with. Berna clearly cares very much about her clients and takes a personal interest in making sure they get a home that they are happy with. I highly recommend this exceptional Realtor."

  -Joan Walker, Colleague

"If you are seeking hardworking and competent realtors to buy, sell or rent a home - look no further! I have been a real estate investor for 7 years and Bill and Berna (The Petry Team) have been my only realtors the entire time. I have worked with other realtors but none of them come remotely close to the amount of knowledge, professionalism and competency displayed by the Petry Team. Collectively, they are a winning team that will find you what you want regardless of the demands. Over the past 7 years, I have successfully bought and rented many homes with their assistance and they have never disappointed. They are meticulous, hardworking and extremely responsive to your individual needs and always willing to go the extra mile. Without a doubt, if you have a real estate need the Petry Team comes highly recommend - they will not disappoint!"

  -Bobby Naraine, Client

"I had the pleasure of working with Bill and Berna on multiple occasions on my investment properties, they are not just a realtor who helps you market your property, they give you professional advice, pros and cons and try to help the clients in the best possible way. I will never hesitate to call them when I need some help and advice. I recommend both of them for any real estate related transaction "

  -Prakash Banavar, Client

"Before I met Berna and Bill, I had been told a 100 reasons why I cannot buy a home. My rental application was being rejected every place I went. I didn't know what to do. I found an ad for Berna and Bill on the internet, and from that point on - I was given hope, respect, friendliness, honesty, and true concern for my situation. I now have a home for my family and with their help I plan to own a home in the near future...."

  -Annonymous, Client

"Relocating from Denmark, Europe to the United States is extremely nerve-racking in the first place. Secondly you will have to deal with quite a different realtor market, laws and procedures. And most importantly how to overcome the credit score issue since no foreigners have a credit history at all - at least not one that can be mirrored from their home country. I realized instantly that if I should succeed and be able to rent a house ever, then I would need professional help. Berna & Bill provided me with that help and assistance in the whole process - I am not exaggerating saying; “This mission would never have been accomplished without their help and expertise”. I can only recommend their service and their kindness! Thanks Daniel. "

  -Daniel Dyrvig, Client

"Working with Bill and Berna Petry was a pleasure. When I first contacted the Petry Team I wasn't sure whether or not my credit scores were good enough to purchase a home right away so I was inquiring about their other programs that they offer but, once Berna and I spoke, she gathered my information, talked it over with her loan officer and find out that I could buy a home now. The following weekend I met with Bill to look at a couple of properties and found the home I liked. We put the offer on the home and within 45 days I was moving into my new home. I would recommend this Team to anyone who is looking to purchase a home and need assistance from people that are very trustworthy and efficient. They are with you every step of the way and will assist with the loan process as if it were them that are purchasing the home. When my children are ready to purchase their first homes I will be sure to call The Petry Team! S.Grigsby"

  -S. Grigsby, Client

"Another client moved into their brand new home for $205,000 today.  Less than perfect credit, but a willingness to work and realign their credit to meet the mortgage industry requirements  in a matter of months. equals new keys to a brand new (never lived in) home....   "

  -Berna Petry, Other

"I would highly Recommend Berna and Bill Petry.  Berna has given such excellent and beneficial advise to me regarding getting our credit back on track.  Thanks to her experience and expertise in the way she helped us my credit score has improved tremendously and we are now able and qualified to by a new home. She has patience and a very kind spirit anyone would benefit a lot by working with Berna or Bill!! She's the best and I don't think we would be where we are now without her assistance."

  -Sharon C, Client

"I had an opportunity to work with Berna and Bill recently on one my rental transaction in Stafford VA, They both are very professional, friendly in handling clients needs. They found me a tenant is less than 2 weeks and they took care of the transaction in the best possible way. If any one needs the best BERNA and BILL or the BEST Prakash Banavar"

  -Prakash Banavar, Client

"I would call Berna and Bill our Realtors, our friends and our :unrelated relatives." Our experience buying a house with them was nothing short of exceptional. This was the fastest and easiest process we have ever been through. They work with you, not for you, to help you have the very best experience ever. We have already recommended them to friends, family members and strangers on the street. Where other Realtors said, "It can't be done" Berna and Bill said "We will help you make it happen." We highly recommend that you take the time to speak with them, not matter what your situation. Good luck and God Bless."

  -Herb and Dorine Moyer, Other

""Started with a simple phone call in which I asked could we possibly purchase instead of renting, ANSWER WAS YES! Even though we were in a Chapter 13 BK, after I answered some prelim questions, the answer was YES! I always thought it could be a chance, but David and Berna always said YES! Berna has had an enormous amount of experience with BK's etc, and she never doubted once if I could be approved. This being my first time going through the home buying experience, I did do my homework to try and know as much as possible. But David answered and thoroughly explained every uncertainty I had. I know I'll be using their services in the near future. I truly must say it was a pleasure to have use Samson my first time purchasing!""

  -Terrence, Client

"I would highly recommend Berna Able and Bill Petry to anyone looking to purchase a home. We started working on purchasing our home April 18, 2014 and closed May 21, 2014, they made the process of buying our home exceptionally easy from beginning to end. If you need 2 exceptional realtor call the B & B Team, Berna Able and Bill Petry."

  -Greg and Ruby Giles, Client