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      • 1st Time Home Buyers
      • Home Improvement Loans
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    • Reviews
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  • Loan Programs
    • All
    • Envoy Invest
    • Fix-and-Flip
    • Equity Bridge
    • Envoy FLEX
    • Envoy EXPAND
    • Cash Edge
    • EVO - Evolution Loan
    • 1st Time Home Buyers
    • Home Improvement Loans
    • Lock and Shop
    • Refinancing
    • Renovation Loans
    • Self-Employed Loans
    • Smart Student Loan Buyers
    • Touchless
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Home of Dog-Friendly Mortgages™

Home of Dog-Friendly Mortgages™Home of Dog-Friendly Mortgages™Home of Dog-Friendly Mortgages™

Pleasant Lending Experiences.   

Reliable Execution.

Happy Customers.

Get Pre-Qualified in Minutes

Welcome

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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Get the latest mortgage news

This playlist features the latest news and information about mortgage rates, the real estate market, grants and down payment assistance programs.  View our videos and subscribe to our channel here!

What Do You Want To Do?

Purchase A Home

Refinance My Home Loan

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 My Home Loan

Purchase 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

Refinance My Home Loan

Refinance My Home Loan

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

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innovative loan programs

Developed with National Top Realtor Producers

As the preferred lender of PLACE, we develop innovative loan products to meet the demands of top producers.  Here are some of the latest loan products we have developed.

CASH EDGE FROM ENVOY

Make a cash offer and win the contract with this innovative loan program that gives buyers, sellers, and agents a leg up on the competition!

Learn more

LOCK & SHOP

With rising interest rates, now is a great time to lock your rate.  This new program allows you to lock your rate and shop for a home up to 90 Days!  Don't wait!  Learn more to get started!

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Why Wait?

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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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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!

Schedule a Call

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Envoy Mortgage
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David Ratti,  410-707-5825, NMLS #532652

Licensed in 7 states:  MD, FL, PA, NJ, DC, DE, PA

820 Ritchie Hwy, Suite 210, Severna Park, MD  21146 |  4006 S MacDill Ave Ste C, Tampa, FL 33611 

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Envoy Mortgage, LTD. NMLS #6666, All Rights Reserved. 

 Envoy Mortgage is an Equal Housing Lender 

 Corporate Office: 10496 Katy Freeway, Suite 250 | Houston, Texas 77043 | Phone: 1 (713) 977-8005

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