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David Ratti

David Ratti Loan Originator inRockville, Maryland

Loan Originator, NMLS: 532652
Licensed in: MD, DC, DE, FL, NJ, PA, VA acting on behalf of Envoy Mortgage

About David Ratti

David Ratti specializes in making the American dream come true. He is currently the market leader for the Ratti Lending Team and the Annapolis Branch of Envoy Mortgage. With 30 years in the business, David has opened several mortgage operations and has built some of the most successful teams in the mortgage industry.

David has a unique skill set within the industry. He has held virtually every role within the mortgage business including: closing officer, post-closing, processor, processing supervisor, underwriter, loan originator, branch manager and builder services manager.

He has received multiple recognitions and awards for his excellent service including: Chairman’s Club, President’s Club, Customer Service Star awards, Million Dollar Club, Manager of the Year, Executive of the Year, Top Producer awards and Top Branch awards.

David lives in Arnold, MD, with his wife, Suzanne, along with their yellow lab, Dory, and a crazy Boston terrier, Sperry. The Ratti’s are very involved in community activities and charities, including Fish for a Cure, which has generated millions for the Geaton and JoAnne DeCesaris Cancer Institute at Anne Arundel Medical Center in Annapolis. Together they enjoy classic cars, boating on the Chesapeake Bay and traveling.



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Our Business

Envoy has been successful for over 25 years because of its people, systems and technology.

The most important asset, however, is its people. We at Envoy understand the importance of providing great customer service, demonstrated by our strong customer satisfaction rating of nearly 4.9 out of 5. Since 1997, we have continued to exceed borrower expectations through exceptional customer service and dedication to helping you finance your dream home. Licensed in 47 states across the U.S., our branches offer a full menu of loan products, knowledge, and expertise for all areas of the residential mortgage lending industry.

Our Customers

We strive to do our best and be our best for one reason – you.

Our goal is to help you finance your dream home and ensure that you have a seamless, smooth mortgage experience. With the availability of hundreds of mortgage loan programs and lenders to choose from, the process of financing a home can seem complex. We are well equipped to guide you through some of the most comprehensive financing available today and are working around-the-clock to make sure we meet your needs. Your peace of mind during the loan process is our priority.