You've Earned It! Get a Veteran Home Loan today!

 We are dedicated to serving those who have served our country!  Nobody deserves the dream of home ownership more than our veterans!    Your length of service or service commitment, duty status and character of service determine your eligibility for specific home loan benefits – it’s payback time.   The Ratti Lending Team at Envoy Mortgage offers:


  • VA Home Loans with NO MONEY DOWN
  • CASH OUT Refinance to 100% of home value.  Payoff debts, pay for college, or get the cash for anything you want.
  • VA Streamline Refinance (IRRRL)  Refinance your current VA loan to a new lower payment with NO MONEY OUT OF POCKET and without having to qualify
  • VA Energy Efficient Mortgage