Should You Refinance? Check Out Our List of Tips!

Dave Ratti
Dave Ratti
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should you refinance?

Register Now

how much can you save?

Find Out Now!

Learn More At Upcoming Refinance Webinar

Learn More At Upcoming Refinance Webinar

 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!

  1. Set up your secure account,
  2. Complete a quick application, 
  3. A member of our team will reach out to discuss your specific goals and how we can help you!

Get Started Now

Learn More At Upcoming Refinance Webinar

Learn More At Upcoming Refinance Webinar

Learn More At Upcoming Refinance Webinar

During this webinar, you'll learn:

  • How to determine if refinancing is right for you,
  • Will it cost you money?
  • How to get cash out for renovations (even without equity),
  • Is it better to go for a shorter term loan?
  • Open Q&A to answer all your questions about refinancing!  


Sign Up - Free Webinar

LIVE & Latebreaking

What is the best thing to happen in 2020?

Real estate and your ability to save money amid the COVID-19 crisis!

How Much Could You Be Saving?

Your home is likely one of the biggest investments you will make in your lifetime, so if you haven't refinanced in the past year, you could be missing out on saving hundreds of dollars a month, or thousands of dollars a year!


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

Create your own stimulus package

We have been able to help hundreds of people put more money in their pocket this year!  Get your questions answered in this free webinar and get started today!

Sign Up 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.  

Learn More

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

Why Wait?

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
home buying seminar

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
David Ratti helps a first time home buyer gets a new home!

Meet David Ratti

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!

Contact Us Now

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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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