
We know that when you are well-informed, you'll have more confidence in your home buying decisions. Here are some free guides we've developed, to answer common questions about lending and help you get started!
Do you want to buy a home and customize it to your unique lifestyle? Our home renovation financing programs provide the cash you need!
If you're thinking about moving to Florida, this free guide will help you consider the pros and cons + what to factor into your monthly budget.

Having a big sale, on-site celebrity, or other event? Be sure to announce it so everybody knows and gets excited about it.
Have you opened a new location, redesigned your shop, or added a new product or service? Don't keep it to yourself, let folks know.
Everything You Need to Know Before You Buy A Home
Use this checklist to make sure you are prepared to start the home buying process. Learn more about what you should know, how to get approved, the required documentation and what to expect at closing. Find everything you need to know before you buy a home in our checklist.
Important Information and Considerations for Refinancing
Use this checklist to make sure you are prepared to refinance your home. Learn about the application process and the refinancing options that are best suited for you.
David Ratti, 410-707-5825, NMLS #532652
Licensed in 7 states: MD, FL, PA, NJ, DC, DE, PA
4006 S MacDill Ave Ste C, Tampa, FL 33611 | 9711 Washington Blvd, Suite 563 Gaithersburg MD 20878
© 2018-2025 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
By continuing to use this site, you accept our use of cookies.