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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

Get Started Today with New Home Improvement Loan Programs!

Why wait to enjoy the home you’ve always dreamed of?   Are you balancing your wants and needs and thinking about tapping into your reserves for renovation costs?  Let us help you explore your options!


Your home is likely one of your biggest investments. So, when you're ready to make home improvements, we offer home improvement loans that allow you to create the home of your dreams without emptying your reserves! Often, these improvements will increase your resale value and provide you a more rewarding living experience for years to come! 


The Ratti Lending Team provides:

  • NEW Renovation Loan Programs with benefits including:
  • Financing for larger home improvement projects at a low fixed interest rate.
  • Financing, bundled in with your mortgage, so there is only one payment.
  • Better programs than the old HELOCs because your payment doesn’t change as interest rates rise.
  • No current equity needed!  Loan can be based on the future value of the home, after improvements are made!
  • In most cases, you get the money you need, with no cash out of your pocket!
  • Remodeling financing to allow you to enjoy your home now.


Why Wait? Create Your Dream Home Today!

The Ratti Lending Team can help you explore how much money you can get to finance those large home improvement projects like:


  • Home Additions
  • Kitchen Renovations
  • Adding Bathrooms
  • Creating a First Floor Master Suite
  • Adding an In-Law Suite
  • and More!


apply now

Free Guide to Renovation Loans

Learn everything you need to know about renovation financing, 

from the Pros at The Ratti Lending Team!

Download PDF

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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