Home of Dog-Friendly Mortgages™

Home of Dog-Friendly Mortgages™

Home of Dog-Friendly Mortgages™Home of Dog-Friendly Mortgages™Home of Dog-Friendly Mortgages™

Pleasant Lending Experiences.   

Reliable Execution.

Happy Customers.


Your home is likely one of the biggest investments you will make in your lifetime, so when it's time to purchase a new home, refinance your existing mortgage, or finance home improvements, we have the expertise to guide you and choose the home loan that is right for you and your unique situation!  

 We have access to dozens of special loan programs for 

first time home buyers, veterans, home renovations, local and state grants and more!  

Our programs help you Own A Home You'll Love - with freedom from apartments and rules!   

That's why we are the Home for Dog-Friendly Mortgages!

For over 30 years, thousands of clients have trusted us with their mortgage and financing needs.  Our track record and reviews are undeniable!  When you are ready for a different kind of lending experience, trust the Ratti Lending Team.  We would be honored to work with you!

60 Second Update

Our 60 Second Update gives you a quick summary of what is happening in the real estate and mortgage markets.  

Should you buy, sell or hold?  We provide this quick dive to provide you the information and expertise you need!

What Do You Want To Do?

Why Wait?


Now Is A Perfect Time for Answers!

Find out now how much home you qualify to buy.  Learn about all of the different loan programs we offer or use our easy on-line app and you'll be well on your way in just 15 minutes or less!

home buying seminar

You Don't Know What You Don't Know!

We believe that education is key to making a good decision.  That's why we offer workshops, seminars, and one-on-one consultations to help make sure you have all the information you need!  

We'll fill you in on the process, current housing grants, down payment assistance programs and more!

David Ratti helps a first time home buyer gets a new home!

Meet David Ratti

Dave Ratti has 30 years of experience in the mortgage industry and has guided his clients, their Realtors and their Builders through the hottest markets and the lowest downturns to ensure the home buyer a pleasant lending experience, reliable execution, and happy customers!  

David is extremely knowledgeable and passionate about home loans and the customers he serves.  He works tirelessly to ensure his clients, Realtors, and fellow loan officers have all of the information they need for success!  

David honestly believes that every home buying experience should be a pleasant one!  Experience the Ratti difference today!   

Contact The Ratti Lending Team in Annapolis, Maryland today!