Nobody Supports Retail Like Envoy!

With over 30 years in the industry, the Ratti Lending team is elated to work with Envoy Mortgage.  Dave Ratti comments,  "Envoy really knows how to support and promote retail operations.  Our team is able to make more money, offer more loan products, and are supported every step of the way by our Operations and Leadership teams!  It has been a refreshing change from what we've seen elsewhere in the industry."

Join A Winning Team Today!

The Ratti Lending Team has 30 years of experience in retail!  We know what it takes to create and maintain a successful retail operation.  Envoy Mortgage provides the quintessential platform for success with operations and support systems designed just for retail operations.  

We offer our loan officers an extremely competitive compensation structure, a diverse portfolio of loan products, extremely efficient retail operations, a client-centered support platform, and one of the lowest costs-to-produce in the industry, which makes us highly competitive.  Our culture helps you attract and maintain relationships with your retail customers, Realtors and Builders alike.

Successful Retail Mortgage Careers

Building Relationships

At Envoy Mortgage, all of our resources are dedicated to a retail platform that provides unrivaled support to our loan officers!  Our entire organization is devoted to retail!

We are committed to supporting  you through technology, marketing, and efficient operations.

Most importantly, our cost to produce is one of the lowest in the industry  which means a more competitive landscape for you and your clients, especially during upticks and downturns.


Our systems and processes maximize technology!   

  • Our Mobile APP makes loan application quick and easy.  
  • Loan officer personalized web pages provide you greater online  visibility through optimized search engine features
  • Our digital consumer base offers the convenience of online local search capabilities for your prospects and clients. 
  • Our CRM platform is not only easy to use, but provides constant touches to keep you in front of your clients.

Maximizing Marketing for YOU!

Our entire marketing team is devoted to supporting retails and provides you with:

  • Marketing Resource Center with EZ Templates for brochures, postcards, social ads, etc.
  • Graphic Design Support
  • Press Release Services
  • Email Automation
  • Post-Close Marketing
  • Video Marketing
  • and more!

Why Work At Envoy?

Retail is About Relationships

Retail is About Relationships

Retail is About Relationships

When you work in retail, your relationships are everything!  Envoy Mortgage provides the best operations, technology, loan products, and compensation packages to support your success.  

Banks struggle to stay competitive and up to date on the latest mortgage products and rates.  Other mortgage companies are splitting resources between retail and direct operations.  

At Envoy, you won't have to beg for resources, because our entire company is devote to the success of our retail branches. 

Getting Deals Done!

Retail is About Relationships

Retail is About Relationships

For loan officers, borrowers and Realtors, getting loans closed is where the rubber meets the road.  Companies can promise lots of things, but if they cannot get your loans closed efficiently and on-time, nothing else matters.

Envoy Mortgage offers an innovative Guaranteed to Close program, that ensures your loans will close on time!   We know how to get loans done and we'll even offer a guarantee to prove it!  

We have invested in technology and training to ensure our operations are consistent and efficient.  We live and breathe a 'Get It Done' culture.

Best Places to Work

Robust Company Benefits

Robust Company Benefits

Successful Retail Mortgage Careers start here with our industry-leading marketing support, service levels and digital  platforms that separate us from the rest.  Envoy’s strong industry reputation stems from our focus on building  strong relationships with our team members and referral partners. 

Envoy has also received the sought-after Top Mortgage Employer Award by National Mortgage Professional, named one of the 50 Best Companies to Work For by Mortgage Executive Magazine and has a relentless focus on outstanding customer service!

Robust Company Benefits

Robust Company Benefits

Robust Company Benefits

One of the biggest expenses for many of today's modern families is health care.  Envoy is proud to offer one of the most comprehensive benefits packages available in our industry, coupled with a significant company contribution to these expenses and a matching 401k progam. 

We recognize that each employee has unique needs so, when it comes to benefits, so we offer options for employees to create a benefit package that best suits their individual needs. The benefit  plans have been designed to promote employee health in all respects – physical, financial and developmental with the least possible financial impact.   

Join Our Team

Explore The Opportunities!

Call David Ratti Now: 410-707-5825

Now Seeking Sales & Marketing Associate




The Sales & Marketing Associate will work with the Ratti Lending Team as the liaison between our team and our target audience. Acting as our social media director, this individual will promote company products and services to consumers, enhance relationships with Realtors and Builders, and coordinate all events and social initiatives. The Sales & Marketing Associate will learn business development through consultative sales techniques.  This is an entry level position with tremendous growth potential!


As our Sales & Marketing Associate, you will be thoroughly knowledgeable to engage our consumer audience on all types of social media. You will also be responsible for email, direct mail and other marketing initiatives. In addition, you will provide administrative support to our team of loan officers.  You will be responsible for creating new business and must demonstrate a high level of professionalism.  Highly multi-tasking, deadline oriented environment. We want individuals who are go-getters and have a positive approach to personal and professional goals.

Our company, Envoy Mortgage, has received Top Mortgage Employer by National Mortgage Professional, 50 Best Companies to Work for by Mortgage Executive Magazine, and relentless focus on outstanding customer service, along with excellent company benefits. 

Please send resume, cover letter and salary requirements to