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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

Home Improvement Loans

Home renovation loan

Why Wait to Enjoy Your Home?

Unique financing options now allow you to create the home of your dreams without emptying your reserves!    Our home improvement loans offer you flexibility and freedom with some of the lowest rates ever!  


  • Better than the old HELOCs - you get a low fixed rate!
  • Only one payment, bundled in with your mortgage
  • No current equity needed
  • Loan can be based on the value AFTER repairs 
  • Increase your home's resale value
  • No cash out of pocket!

kitchen renovation financing

Renovation Loans Made Easy

 Get the money you need to remodel your home today!  

  • Build an addition, add a garage!
  • Add a second story to an existing house
  • Update a kitchen or bath


Need a contractor?  

We can refer you to reputable contractors that have utilized this financing to help their clients achieve their home improvement dreams!  Reach out today and let us help you create the home of your dreams!

Start Remodeling Now!

Don't wait to create the home of your dreams!  

Contact your loan officer to discuss your project and get started with your remodeling project now!

Start the Process

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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