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!  

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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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!

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Renovate A Home

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

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Refinance My Home Loan

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

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Why Wait?

Now Is A Perfect Time for Answers!

Find out now how much home you qualify to buy.  Use our easy on-line app and you'll be well on your way in just 15 minutes or less!

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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!

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David Ratti, Branch Manager 

Ratti Lending Team @ Envoy Mortgae

Phone:  410-707-5825

NMLS #532652 


Envoy Mortgage 

NMLS #6666  |  nmlsconsumer.org  

Licensing & Disclosure information and Terms & Conditions can be found at:  EnvoyMortgage