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Dave Ratti
Dave Ratti
  • Home Loans That Are Anything But Ratti

    Pleasant Lending Experiences.   Reliable Execution.

    Happy Customers.


    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!  

    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!

    What Do You Want To Do?

    Purchase A Home

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

    Renovate A Home

    We can provide the cash you need for major home improvements based on the estimated FUTURE value of your home.  

    Refinance My Home Loan

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

    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.  David joined Embrace Home Loans in 2010 when he successfully opened an office in Timonium.  He later took over responsibility for the Annapolis team and also oversees the Salisbury, Maryland and La Plata, Maryland sales offices.


    David is extremely knowledgeable and passionate.  He works tirelessly to ensure his clients, realtors, and loan officers have all of the information they need for success!  Contact Dave Ratti in Annapolis today!

    David Ratti, Loan Officer NMLS 532652

    Office:  443-321-4500 | Cell: 410-707-5825