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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!
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