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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.

Get Pre-Qualified in Minutes

Welcome

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!

Get answers now

What Do You Want To Do?

Purchase A Home

Refinance My Home Loan

Purchase A Home

Our easy online mobile-friendly loan application will give you the answers you need in just 15 minutes!

Get Started

Renovate A Home

Refinance My Home Loan

Purchase A Home

The cash you need for major home improvements based on the FUTURE value of your home.  

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Refinance My Home Loan

Refinance My Home Loan

Refinance My Home Loan

We offer quick closings and great rates!  Create your account and get answers in 15 minutes!

Get Answers Now

lock & shop now!

NEW PROGRAM!

With rising interest rates, now is a great time to lock your rate.  This new program allows you to lock your rate and shop for a home up to 90 Days!  Don't wait!  Learn more to get started!

Get Started

The Real Scoop on real estate

The Ratti Lending Team has over 30 years experience in banking and mortgage lending and is licensed in 7 states!  We work with some of the best agents and have a national footprint of lending resources.  We keep our eye on market trends so you we can provide you the best guidance for your situation.  


Check out the latest videos on current topics that you need to know about purchasing a home, refinancing, the real estate market & more!

Why Wait?

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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!

Get Pre-Approved Now
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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!

Book an Appointment

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David Ratti, Branch 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 |  820 Ritchie Highway, Suite 210 Severna Park, MD 21146 

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