We've Got Loan Programs That Will Make Your Life Easier!

Debt Consolidation

 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!

First Time Home Buyers

We provide free first-time buyer workshops, special home loan programs, and information on home buying grants and down payment assistance programs for first-time home buyers.

Renovation & Home Improvements

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!

VA & Veteran 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. 

Find out which benefits you qualify for!

Self-Employed Borrowers

The major feature of this NEW program is that we can verify income using 24 months of bank statements to determine qualifying income rather than tax returns. 

For the first time in years, many self-employed borrowers may now be able to qualify for a home loan!  Don't wait!  Find out more!

Baby Boomer Loans

Are you helping to care for your parents?  Is their low income and rent draining their cash?  This new loan program allows us 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

FHA loans are designed for borrowers who are unable to make a large down payment, available in Fixed and ARM options.

USDA Loan Programs

USDA loans are zero-down-payment mortgages for homes located in rural and suburban areas.   

Maryland SmartBuy 2.0

Envoy is pleased to offer qualified borrowers access to the Maryland Smartbuy 2.0 program.  This program makes housing more affordable by paying off up to $40,000 in student debt! 

Find out if you qualify!

Maryland 4% Grant Assist

We are pleased to offer The Maryland Mortgage Program's 4% Grant Assist designed to help Maryland home buyers with downpayment and closing costs.  Find out if you qualify.

Lock & Shop


  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!  

Corporate Benefits Program


 We offer local companies and their employees special workshops and loan programs – and discounts on services and programs. 



The more you know, the better decisions you can make! Here are a list of Frequently Asked Questions to help you with your loan.

Loan Programs for Every Borrower

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 partner with so 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.