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!
Our easy online mobile-friendly loan application will give you the answers you need in just 15 minutes!
The cash you need for major home improvements based on the FUTURE value of your home.
We offer quick closings and great rates! Create your account and get answers in 15 minutes!
It only takes 15 minutes to get pre-qualified and find out how much you can save! And, we make the process as easy as 1-2-3!
What the heck is going on with mortgage rates? David Ratti explains the volatility and investor sentiment that is affecting the mortgage market, amid the COVID-19 crisis.
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!
Our monthly 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!
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!
David Ratti, Region Manager - Ratti Lending Team @ Envoy Mortgage
Phone: 410-707-5825 | NMLS #532652
© Envoy Mortgage, LTD. NMLS #6666, All Rights Reserved. | Envoy Mortgage is an Equal Housing Lender – This is not a commitment to lend | www.envoymortgage.com |
Office: 667-223-1900 | 102 Old Solomon’s Island RD, 1st Floor, Annapolis, MD 21401