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Why Wait?

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!

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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!

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What Do You Want To Do?

Purchase A Home

Refinance or Consolidate Debt

Purchase A Home

Our easy online mobile-friendly loan application will give you the answers you need in just 15 minutes!

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Renovate A Home

Refinance or Consolidate Debt

Purchase A Home

The cash you need for major home improvements based on the FUTURE value of your home.

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Refinance or Consolidate Debt

We offer quick closings and great rates! Create your account and get answers in 15 minutes!

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Do You Have Questions?

Your home is likely one of the biggest investments you will make in your lifetime, so when it's time to purchase a new home, refinance your existing mortgage, or finance home improvements, we have the expertise to guide you and choose the home loan that is right for you and your unique situation!

We have access to dozens of special loan programs for

first time home buyers, veterans, home renovations, local and state grants and more!

Our programs help you Own A Home You'll Love - with freedom from apartments and rules!

That's why we are the Home for Dog-Friendly Mortgages!

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!

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David Ratti, Branch Manager - Ratti Lending Team @ Envoy Mortgage
Phone: 410-707-5825 | NMLS #532652

Office: 667-223-1900 | 820 Ritchie Highway, Suite 210 Severna Park, MD 21146

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The REAL Scoop on Real ESTATE

Get Started!

Why Wait?

You Don't Know What You Don't Know!

Now Is A Perfect Time for Answers!

What Do You Want To Do?

Purchase A Home

Refinance or Consolidate Debt

Purchase A Home

Renovate A Home

Refinance or Consolidate Debt

Purchase A Home

Refinance or Consolidate Debt

Refinance or Consolidate Debt

Refinance or Consolidate Debt

Lock & shop

NEW PROGRAM!

Do You Have Questions?

Reviews

The REAL Scoop on Real ESTATE

Get Started!

Why Wait?

You Don't Know What You Don't Know!

Now Is A Perfect Time for Answers!

What Do You Want To Do?

Purchase A Home

Refinance or Consolidate Debt

Purchase A Home

Renovate A Home

Refinance or Consolidate Debt

Purchase A Home

Refinance or Consolidate Debt

Refinance or Consolidate Debt

Refinance or Consolidate Debt

Lock & shop

NEW PROGRAM!

Do You Have Questions?

Reviews

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