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Dave Ratti
Dave Ratti
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    • Home
    • About Us
      • Reviews
      • Our Team
    • 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
      • Veteran Loan Programs
    • Resources
    • Blog
    • Contact Us

  • Home
  • About Us
    • Reviews
    • Our Team
  • 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
    • Veteran Loan Programs
  • Resources
  • Blog
  • Contact Us

New Programs Available!

Stop Renting and Buy Your Own Home!  We can show you how to utilize your own home to build wealth, and even give your dog their own back yard.  In as little as 30-45 days, you could be moving into your own home and stop putting money in your landlord's pocket!  Your dog will thank you too!

See if you qualify in minutes!
First time home buyers

First Time Home Buyer Programs

Your American Dream Is Waiting...

Are you ready to experience the American Dream of owning your own home?  The experts at The Ratti Lending Team at Envoy Mortgage can help you determine which mortgage loan programs will work best for your situation.


Many of these programs are designed to help you:


  • get pre-qualified, 
  • get down payment assistance, 
  • access local and national mortgage grants, and 
  • reduce down payments and closing costs


National first time home buyer programs are available in all 50 states and offer flexible guidelines that can help you.  These programs include FHA, VA, Conventional and USDA loans.


The Maryland DHCD offers mortgage and financial assistance programs designed to make home ownership more accessible for first-time home buyers. These programs and their requirements change frequently, so be sure to ask your Ratti Lending Team loan professional for more details. 




Learn More

Hurry!  Now is the best time to get pre-qualified and start shopping for your new home!  Choose the Loan Officer you'd like to work with or simply Get Pre-Qualified now to see how much home you can afford to buy!

Get Pre-Qualified Now!

Down Payment assistance

Down Payment Assistance Programs

Down Payment Assistance Programs

Down Payment Assistance Programs

We have access to dozens of loan programs to provide you the help you need to buy a home!  Grants, loans, and other programs vary by state, so talk directly with your loan officer for more information or to see how much you may qualify for.

Student Loans? No Problem

Down Payment Assistance Programs

Down Payment Assistance Programs

Some states even provide assistance to help you pay off student loans while you buy a home!  Amazing, right?

Learn More

Grants

Down Payment Assistance Programs

Grants

Grants are available in certain cities, counties and jurisdictions.  The terms of the grant vary greatly and some states even offer grants that never have to be repaid!  Be sure to talk with your loan officer about the grants you may qualify for.

See What You May Qualify For

Talk directly with one of our team members.  

They will help you determine which types of programs will work best for you!

Or, to get started right away, just apply now - it only takes minutes to find out!

Apply Now

Free Resources

Check out our free guides to:

  • Buying a Home in 4 Easy Steps
  • Refinancing Checklist 

View Free Guides

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

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

 9711 Washington Blvd, Suite 563 Gaithersburg MD 20878  |  4006 S MacDill Ave Ste C, Tampa, FL 33611 

  © 2018-2023 Ratti Lending Team 

 We strive to maintain accessibility standards for all.  We are currently working on updating our website, but please feel free to reach out to us directly if you have any questions or need assistance.


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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