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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Made an inherently complex process very simple, completed the full process in 10 days, which is amazing. David also got us a lower mortgage rate than we had with the other guys.

Reply from David Ratti

November 28th, 2025 09:19 PM

It's great to know that I could simplify the process for you, Joseph. Completing everything in just 10 days while securing a lower mortgage rate is something I'm particularly pleased about. If you have any further questions or need assistance...

David really worked his magic and had us close on our new home in a timely manner!

Reply from David Ratti

November 27th, 2025 02:51 PM

I'm glad to hear everything went smoothly with your home closing, Rosanne. It's important to me that the process is as stress-free and efficient as possible for you. If you need anything else or have questions in the future, I'm here to help....

needed for both a sale of a property and purchase of one. David stepped in and saved the day twice!

Reply from David Ratti

November 17th, 2025 07:39 PM

I appreciate your feedback, Scott. It's great to hear that I could assist you with both the sale and purchase of your properties. If there's anything further you need, feel free to get in touch.

Dave and Andrew helped us huy our home and secured our loan

Reply from David Ratti

October 21st, 2025 06:23 PM

I'm grateful for your kind words, Taylor. It was a pleasure working with you on securing your loan and helping you purchase your home. If there's anything more I can help with, please don't hesitate to reach out.

David is the consummate professional. Outstanding communication and all round perfect Loan Originator. We've had the pleasure of working with him on multiple occasions, from our very first home back in 2000 to the most recent purchase in 2025....

Reply from David Ratti

October 13th, 2025 01:34 PM

Your feedback means a lot to me, Racheal. It's been a privilege to work with you over the years, and I'm glad to hear you've been satisfied with our interactions. Your trust and referrals are truly appreciated. If there's ever anything more...

i want to say david ratti was very patient with me not being good on comp plus having medical problems he helped me every step of what was needed because i could not of done it without him helping me he is a wonderful man and recomend him highly...

Reply from David Ratti

October 5th, 2025 04:03 PM

Thank you for sharing your experience, Ronald. I'm glad I could assist you through the process, especially with the challenges you mentioned. It's important to me that everyone feels supported and informed. Wishing you all the best, and if...

David was excellent to work with. His work made it possible for my wife and I to purchase a home!

Reply from David Ratti

September 3rd, 2025 01:20 PM

I'm pleased to hear about your positive experience, Ryan. Ensuring that the process of purchasing a home goes smoothly is always my goal. If there's anything more I can assist with in the future, please feel free to reach out.

Dave and the Envoy Team were great! Dave was easy to communicate with, but not pushy. He explained the whole loan and mortgage process to me and diligently worked to get me a better rate that I was comfortable with. The professionalism displayed...

Reply from David Ratti

August 8th, 2025 09:31 PM

Thank you, Allison, for your kind words. I'm delighted to hear that you found communication easy and appreciated the thorough explanations of the loan process. It's important to me that you felt comfortable with your rate and the level of professionalism...

Very satisfied and happy with the service and the process was smooth

Reply from David Ratti

July 26th, 2025 07:02 AM

I'm grateful for your positive feedback, Maritza. It's wonderful to know that you were very satisfied with my service and found the process smooth. Making sure everything goes seamlessly for you is always my goal. Should you have any questions...

David and his team were always prompt and helpful through what is undoubtedly a very stressful process. They would answer messages and calls on nights and weekends even, just to get us quick responses and information we needed. David would...

Reply from David Ratti

July 22nd, 2025 04:31 PM

Thank you, Daniel, for sharing your experience. I'm glad to hear you felt supported throughout such a stressful process. Being available to address your messages and calls, even outside of regular hours, is something I believe is important...

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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

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Addresses and Serving Areas

Primary Serving Area

Rockville, MD

Time Zone

Central Standard Time (CST)