Need help finding a home? We would be happy to refer you to a trusted Realtor.

Dave Ratti
Dave Ratti
  • Home
  • About Us
    • Reviews
    • Careers
    • Our Team
    • Our Partners
  • Loan Programs
    • NEW715
    • TDG
    • All
    • Lock and Shop
    • Touchless
    • 1st Time Home Buyers
    • Refinancing
    • Home Improvement Loans
    • Self-Employed Loans
    • Veteran Loan Programs
    • Renovation Loans
  • Resources
  • Blog
  • Contact Us
  • More
    • Home
    • About Us
      • Reviews
      • Careers
      • Our Team
      • Our Partners
    • Loan Programs
      • NEW715
      • TDG
      • All
      • Lock and Shop
      • Touchless
      • 1st Time Home Buyers
      • Refinancing
      • Home Improvement Loans
      • Self-Employed Loans
      • Veteran Loan Programs
      • Renovation Loans
    • Resources
    • Blog
    • Contact Us

  • Home
  • About Us
    • Reviews
    • Careers
    • Our Team
    • Our Partners
  • Loan Programs
    • NEW715
    • TDG
    • All
    • Lock and Shop
    • Touchless
    • 1st Time Home Buyers
    • Refinancing
    • Home Improvement Loans
    • Self-Employed Loans
    • Veteran Loan Programs
    • Renovation Loans
  • Resources
  • Blog
  • Contact Us

Wanna Be Our Next Happy Customer?

Get Answers Now

Social Surveys

We strive for Pleasant Lending Experiences, Reliable Execution & Happy Customers so we utilize a platform called Social Survey (kind of a Yelp for the mortgage industry) to help clients provide reviews and feedback on their experiences.    

Check It Out

realtor Reviews

Happy Customers say it best

Brittany T. - Baltimore, MD

Brittany T. - Baltimore, MD

Brittany T. - Baltimore, MD

best mortgage for condo

"Dave was pleasant & supportive throughout the entire process. I  couldn’t have asked for a more knowledgeable and efficient contact. He walked me through everything step by step & was always there when I  had any questions."   

Heather K. - Nazareth, PA

Brittany T. - Baltimore, MD

Brittany T. - Baltimore, MD

best mortgage for first time home

"Dave is a phenomenal mortgage broker. I lost 4 bids for other homes and by the  time I got a contract in place my old house was only 3.5 weeks from  settlement. We had to get the new mortgage in place in 3 weeks or I  would be homeless. Dave got my mortgage done in RECORD TIME, without one  issue at settlement! This is my 4th home, so I've dealt with other  lenders, but Dave has been my broker for the last two homes. I call him,  and never shop around, because he is quite simply the best there is."

Vic - Elkridge, MD

Brittany T. - Baltimore, MD

Gloria - Odenton, MD

bought a beautiful home

"Good experience working with Dave and his team. They worked with us  every step of the way, and even helped us get our closing date moved up. They answered every question along the way.  Dave himself called, after hours, when I had concerns to answer my questions."

Gloria - Odenton, MD

Stanley - Gambrills, MD

Gloria - Odenton, MD

construction and renovation financing

The entire team - David, Andrea, and Donna were wonderful.  They made  the entire process effortless.  I could not have asked for a better home  buying experience.  Thanks to all.  You're the Best!  

Stanley - Gambrills, MD

Stanley - Gambrills, MD

Stanley - Gambrills, MD

local loan officer

"Excellent communication by phone and email with me really made this  experience easy and he went the extra mile in all aspects for this  refinance."  

Michael C. - Bowie, MD

Stanley - Gambrills, MD

Stanley - Gambrills, MD

construction financing

"Wonderful service and personalized attention!"

Social

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 

Licensing and legal information | Privacy Policy |Terms and conditions

CIP Disclosure | NMLS Consumer Access |Mortgage Disclosure Act Notice


 © 2018 Ratti Lending Team at Envoy Mortgage

 We strive to maintain accessibility standards for all.  We are currently working on updating our website, but please feel free to reach out to us directly if you have any questions or need assistance.

  • SCOOP
  • Refinance Workshop
  • Refinance Now
  • Reviews
  • Careers
  • NEW715
  • TDG
  • Lock and Shop
  • Contact Us
  • Get Pre-Qualified
  • Cost Analysis

Cookie Policy

This website uses cookies. By continuing to use this site, you accept our use of cookies.

Accept & Close