David Ratti

Name: Envoy Mortgage - Annapolis II Branch
Address: 1395 Piccard Drive suite a17, Rockville, Maryland, 20850
Telephone: +1-667-223-1900
Rating: 4.83

Loan Originator | NMLS # 532652

Envoy Mortgage - Annapolis II Branch

4.83

(23)

Mortgage

Mortgage Loan Officer

Contact Info

(667) 223-1900

Rockville, MD

https://www.envoymortgage.com/branch/annapolis-md-323/

Location & Business Hours

Business Hours

Wed

8 AM to 5 PM

Thu

8 AM to 5 PM

Fri

8 AM to 5 PM

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4.83

(23)

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4.83

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David was very easy to work with and communicated great, everything went very smooth. I highly reccommend him & Envoy mortgage as a whole!

Reply from David Ratti

July 22nd, 2026 01:05 PM

I'm glad you had a smooth experience, Angel. Your recommendation means a lot to me, and I'm thankful for your kind words about my communication. If you need anything else, I'm here to help.

Envoy Mortgage was very responsive to all of our questions and did a great job explaining and Guiding us through the process.

Reply from David Ratti

June 29th, 2026 05:30 PM

I'm happy to hear that you found our responsiveness and guidance helpful, Christy. Thank you for sharing your positive experience with Envoy Mortgage. If you have any more questions or need further assistance, please don't hesitate to reach...

Process was very smooth, great experience working with Dave, I will definetely recommend. Excellent communication by phone and email I will definetely contact him for my refinance.

Reply from David Ratti

June 22nd, 2026 01:06 PM

I'm grateful for your kind words, Karly. It's nice to know you had a smooth experience and appreciated the communication. I'm here whenever you're ready to start your refinancing process.

Dave and his team were always available. Explained everything to me in detail. They truly a pleasure to do business with.

Reply from David Ratti

June 15th, 2026 09:26 PM

I'm pleased to hear that you found our availability and detailed explanations helpful, Michele. It's great to know you had a positive experience working with my team and me. If there's anything else you need, feel free to reach out.

Dave and his team we're very efficient, organized, and timely. They made a stressful process go smoothly.

Reply from David Ratti

June 10th, 2026 01:57 PM

I appreciate your kind words, Brianna. I'm glad to know that my team and I could help make the process smoother for you. If there's anything else you need assistance with, please feel free to reach out.

Great communication super fast follow through

Reply from David Ratti

May 6th, 2026 05:18 PM

I'm glad to hear that you appreciated the communication and quick follow-through, Megan. Ensuring a smooth and efficient process is important to me. If you have any more questions or need further assistance, feel free to reach out.

David was wonderful at answering many first time home buyer questions and walking us through the process

Reply from David Ratti

February 23rd, 2026 03:27 PM

It's reassuring to hear that I could provide clarity and support as you navigated your first home purchase, Selene. Guiding first-time buyers through the process is something I prioritize. Should you have more questions or need any further...

Everything was explained professionally and went very smooth

Reply from David Ratti

January 14th, 2026 04:06 PM

I'm pleased to hear that the process went smoothly and all explanations met your expectations, Gary. It's important to me to ensure clarity and professionalism throughout. If there's anything else you need or any questions come up, feel free...

Everything started great with our intial video call and explaining the loans and than it died from there. I was rushed to pick a General Contractor so we could meet a close date of December 19th. So I did not have the opportunity to get quotes...

David has a lot of experience and he was quick to volunteer options that enabled me to secure the best mortgage for my needs. David was also very proactive in all aspects of communciation about my loan progress. The process went so well that...

Reply from David Ratti

December 22nd, 2025 07:40 PM

I'm pleased to know that my experience and proactive approach made a difference in securing the right mortgage for you, Michael. Closing a week earlier than planned is always a good feeling. If there's anything else you need or further questions...

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About

Founded in 1997, Envoy Mortgage is an independently owned, full-service mortgage lender headquartered in Houston, TX. As a Fannie, Freddie and Ginnie approved seller/servicer, Envoy branches offer a full menu of loan products with locations across the U.S. Licensed in 49 states, Envoy branches provide outstanding customer service by offering a full menu of loan products with the tools, expertise and technology needed to support all functions of the mortgage process. For more information, Envoy Mortgage, Ltd. NMLS #6666.

Products & Services

Mortgage Loan Officer

VA Home Loan

USDA Loans

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Addresses and Serving Areas

Primary Serving Area

Rockville, MD

Time Zone

Central Standard Time (CST)