Want to drop your monthly payments? One of my recent customers saved $800 per month! Low rate, low monthly payment - How much can we save you? Use our online application to
see how much you could save in minutes!
We provide free first-time home buyer workshops and discuss special home loan programs, and information on home buying grants and down payment assistance programs for first-time home buyers. Contact us to register for an upcoming workshop.
When you're ready to make home improvements, we offer unique renovation financing options that allow you to create the home of your dreams without emptying your reserves!
Better yet, these home improvement loan programs typically require no cash out of pocket, and are based on the future value of the home. Learn more about our home improvement loan programs!
Veterans Affairs mortgages (VA Loans) are available to military veterans and active military members. These home loans typically do not require a down payment and do not require private mortgage insurance. There’s also low or no minimum credit score requirements.
Self-employed borrowers face unique challenges when it comes to qualifying for a loan. We are experts at navigating the process to help you check off all the boxes and get your home loan or refinance done! Don't wait!
Are you helping to care for your parents? Is their low income and rent draining their cash? This new loan program allows you to buy a home for them with as little as 5% down and a low monthly payment. It’s a truly unique program! Contact us now to learn about the options we can provide you to make you and your parents lives easier.
Conventional mortgages offer some of the best interest rates and loan terms—which often means a lower monthly payment.
FHA loans are designed for borrowers who don't have a lot of cash and need a lower down payment, available in Fixed and ARM options. Our team can educate you on the best options for your situation.
USDA loans are zero-down-payment mortgages for homes located in rural and suburban areas.
Envoy is pleased to offer qualified borrowers access to the local and state programs. These programs make housing more affordable by paying off in student debt!
As a local lender, the Ratti Lending team can help you create a stronger offer with local lender financing. This approach is preferred 2 to 1 by Realtors and Sellers. Get Started Now!
We are pleased to offer home buyers access to a variety of Maryland Mortgage Grant Assist programs designed to help Maryland home buyers with downpayment and closing costs. Find out if you qualify.
This is an important program when rates are on the rise! Get pre-approved to buy a home before you shop and lock your rate in! Then, you can shop for a new home without the stress of rising rates! Apply Now!
Show your employees you care!
We offer local companies and their employees special workshops and loan programs to help them buy a home! This is an employee benefit you'll want to offer to retain key talent!
The more you know, the better decisions you can make! Here are a list of 6 Things to Look for When Shopping for a New Home.
The Ratti Lending Team @ Envoy Mortgage provides a wide variety of mortgage loan programs to assist you with all of your home financing requirements. That's why we offer access to many government loan programs, veteran loan programs, grant assist programs, and more!
More importantly, we operate under a philosophy of "Do The Right Thing Always" and that's just one of reasons we're well known for:
Pleasant Lending Experiences. Reliable Execution. Happy Customers.
Megan, a First Time Home Buyer with her Realtor, Andrea Loretangeli & David Ratti.
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
© 2018 Ratti Lending Team at Envoy Mortgage
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