Need help finding a home? We would be happy to refer you to a trusted Realtor.

Dave Ratti
Dave Ratti
  • 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
  • More
    • 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
A Loan Program for High Net-Worth Individuals

NO INCOME REQUIRED, QUALIFY WITH HOLDINGS!

Perfect for Borrowers with Assets

What is ENVOY EXPAND?

A loan program that allows borrowers to qualify based on assets, no job required. 


  • 10% down, NO PMI
  • Credit Scores of 660+
  • 30 Year or 40 Year Options
  • Non-warrantable Condos allowed
  • For currently owned homes, Cash-out and Debt-consolidation refinances are permitted

A Loan Program for High Net-Worth Individuals


  • NO INCOME REQUIRED, QUALIFY WITH HOLDINGS!
  • Employment & Income are not required to be disclosed.
  • Loan program that allows borrowers to qualify based on assets, no job required.

Apply Online

Get pre-qualified online in minutes!  A member of our local team will reach out once we receive your inquiry.

DON'T WAIT! This is an amazing program!

 Contact your loan officer directly for more details.


Get pre-qualified today and start house shopping tomorrow!

Reach Out to Learn More or Get Pre-Qualified!

David Ratti

 NMLS #532652  

Call:  410.707.5825

Email

Apply Now

Got Questions?

Send us a message and a member of our team will reach out to you with answers!

Send a message

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

Mortgage Disclosure Notice | Privacy Policy

  • Reviews
  • Equity Bridge
  • Envoy FLEX
  • Envoy EXPAND
  • Cash Edge
  • EVO - Evolution Loan
  • Lock and Shop
  • Strategic Partner
  • Contact Us
  • Get Pre-Qualified

Powered by

Giving you a better experience

By continuing to use this site, you accept our use of cookies.

DeclineAccept & Close