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About

David Ratti is the Branch Manager of our Annapolis, Maryland retail office and has 30 years of experience in the mortgage industry.  David joined Embrace in 2010 when he successfully opened our Timonium Office.  He then took over responsibility of our Annapolis team and also oversees our Salisbury, Maryland and La Plata, Maryland sales offices.

Over his time in the industry David has performed every function within the mortgage process including; Closing Officer, Post Closing, Processor, Processing Supervisor, Underwriting, Loan Officer, Branch Manager, and Builder Services Manager.
David has received multiple recognitions and rewards over the years for his good 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 was born in Toms River, New Jersey, where much of his extended family still resides. He moved to the Baltimore-Washington area at a young age where he attended Magruder High School in Derwood, MD and then Towson University. 

He and his wife, Suzanne, live in the Annapolis area where they enjoy all the splendors the Chesapeake Bay offers. He’s also an avid sports fan, cheering on his home teams, the Baltimore Ravens, US Naval Academy, and the Baltimore Orioles.

 

Branch: Maryland - Annapolis , 175 Admiral Cochrane Drive, Annapolis, MD 21401

David Ratti, NMLS# 532652 , is employed by Embrace Home Loans and is licensed in:
DC DE MD NJ PA VA

Reviews (44 Reviews)

5.0
5.0 Survey completed on July 3, 2018
Reviewed By James E. for David Ratti
Completed transaction in June 2018
AWESOME EXPERIENCE
5.0
5.0 Survey completed on June 29, 2018
Reviewed By Chris P. for David Ratti
Completed transaction in June 2018
We have referred David Ratti to all of our clients looking for renovation financing. The experience has been fantastic each and every time. David and his team are extremely efficient navigating a process that seems complicated at times. We have worked with many other lenders for renovation financing and Embrace is the BEST. All of our clients agree as well and we will continue to refer David Ratti with Embrace Home Loans on all upcoming projects!We have referred David Ratti to all of our clients looking for renovation financing. The experience has been fantastic each and every time. David and his team are extremely efficient navigating a process that seems complicated at times. We have wo ...read full review
5.0
5.0 Survey completed on June 29, 2018
Reviewed By Paul T. for David Ratti
Completed transaction in June 2018
Professionalism at every step of the process.
5.0
5.0 Survey completed on June 28, 2018
Reviewed By Suzanne T. for David Ratti
Completed transaction in June 2018
Dave took the time to educate us on our loan options and was always quick to respond to every question. He was even able to move up our closing date so we could move sooner!
5.0
5.0 Survey completed on June 27, 2018
Reviewed By Stanley H. for David Ratti
Completed transaction in June 2018
Excellent communication by phone and Email with me really made this experience easy and he went the extra mile in all aspects for this refinance.
5.0
5.0 Survey completed on June 21, 2018
Reviewed By Alan S. for David Ratti
Completed transaction in June 2018
Everything went well. The prepproval letter was a great tool for us to make an offer on our house
5.0
5.0 Survey completed on June 16, 2018
Reviewed By Emanuelle H. for David Ratti
Completed transaction in May 2018
Excellent service and constant communication. I really appreciate Dave’s support and his team as we’ll!
5.0
5.0 Survey completed on June 8, 2018
Reviewed By Ketsy H. for David Ratti
Completed transaction in May 2018
Dave is excellent. Thank you so much for all your help.
5.0
5.0 Survey completed on June 1, 2018
Reviewed By James K. for David Ratti
Completed transaction in May 2018
David did a great job helping me understand my mortgage options and making the closing process as painless as possible. It was great to work with David!
5.0
5.0 Survey completed on May 17, 2018
Reviewed By Mary P. for David Ratti
Completed transaction in May 2018
This is my second time working with David in about a 4 year period and he has always been efficient and extremely helpful with making the process easy and not stressful as it could be .. thank you so much
4.833
4.833 Survey completed on May 16, 2018
Reviewed By Edward T. for David Ratti
Completed transaction in May 2018
David and his team were very responsive to my requests for information, gave me the best rate, and kept me on track through the closing process. I couldn't ask for more support.
4.5
4.5 Survey completed on May 13, 2018
Reviewed By Dion J. for David Ratti
Completed transaction in May 2018
What made my experience great was the advice and compassion that David demonstrated. He’s a professional that looks out for his client’s best interest.
5.0
5.0 Survey completed on May 3, 2018
Reviewed By Sean M. for David Ratti
Completed transaction in April 2018
Dave and his team were great to work with and made the home buying process easy as can be!
5.0
5.0 Survey completed on April 4, 2018
Reviewed By Timothy S. for David Ratti
Completed transaction in March 2018
Very easy and quick from start to finish
5.0
5.0 Survey completed on April 4, 2018
Reviewed By Paul P. for David Ratti
Completed transaction in March 2018
David and other members were very pleasing to work with and made the process very stress free. Even the contractors Realtor said he was great and will use him again in the future.
4.667
4.667 Survey completed on March 5, 2018
Reviewed By Victoria M. for David Ratti
Completed transaction in February 2018
He was awesome! Would use him again any day!
5.0
5.0 Survey completed on February 28, 2018
Reviewed By Kerri B. for David Ratti
Completed transaction in February 2018
David was so kind and helpful through all of my questions as a first tome home buyer
5.0
5.0 Survey completed on January 23, 2018
Reviewed By Franklin S. for David Ratti
Completed transaction in January 2018
David and his team were very helpful with my situation and made it easy as possible to move forward with the loan.
5.0
5.0 Survey completed on December 31, 2017
Reviewed By Adam S. for David Ratti
Completed transaction in December 2017
Working with Dave was great. He was very easy to talk to and always willing to explain things at any time. It felt like we had worked together for years and he was a trusted advisor.
5.0
5.0 Survey completed on December 24, 2017
Reviewed By Emmanuel O. for David Ratti
Completed transaction in December 2017
everything service he offered was awesome thumbs up mr David!!
4.333
4.333 Survey completed on November 3, 2017
Reviewed By Richard L. for David Ratti
Completed transaction in October 2017
David and his team were always courteous and prompt. They answered all my questions and made the process a breeze.
5.0
5.0 Survey completed on October 26, 2017
Reviewed By Heather K. for David Ratti
Completed transaction in October 2017
Dave is a phenomenal mortgage broker. I lost 4 bids for other homes and by the time I got a contract in place my old house was only 3.5 weeks from settlement. We had to get the new mortgage in place in 3 weeks or I would be homeless. Dave got my mortgage done in RECORD TIME, without one issue at settlement! This is my 4th home, so I've dealt with other lenders, but Dave has been my broker for the last two homes. I call him, and never shop around, because he is quite simply the best there is.Dave is a phenomenal mortgage broker. I lost 4 bids for other homes and by the time I got a contract in place my old house was only 3.5 weeks from settlement. We had to get the new mortgage in place in 3 weeks or I would be homeless. Dave got my mort ...read full review
5.0
5.0 Survey completed on September 15, 2017
Reviewed By Jamie G. for David Ratti
Completed transaction in June 2017
Such a great experience with David! His team treated me like family and made the whole process work seamlessly. Would absolutely recommend!
5.0
5.0 Survey completed on September 12, 2017
Reviewed By Jeffrey N. for David Ratti
Completed transaction in September 2017
I felt like Dave and his team were always there for us especially when we had a question.
4.0
4.0 Survey completed on September 9, 2017
Reviewed By Stanford W. for David Ratti
Completed transaction in August 2017
I got a great deal on my mortgage. David answered all my questions and I closed on time. I am glad I chose Embrace Home Loans.
5.0
5.0 Survey completed on August 22, 2017
Reviewed By Dale W. for David Ratti
Completed transaction in August 2017
Dave was really great through every single step!
5.0
5.0 Survey completed on August 10, 2017
Reviewed By Carl B. for David Ratti
Completed transaction in August 2017
Provided Excellent communications. Fully understood my goals and gave me multiple options to suite my needs. the 2 months of no house payments were a huge bonus. thanks again
5.0
5.0 Survey completed on July 17, 2017
Reviewed By Katrina C. for David Ratti
Completed transaction in July 2017
david was very accomodating! very pleasant and professional in everything! whenever we need to ask something he is sure there to make sure out needs are attended! we cant thank you enough for all you fo david!!!
4.667
4.667 Survey completed on July 1, 2017
Reviewed By Yuyen S. for David Ratti
Completed transaction in June 2017
Dave was able to provide with all the needed information regarding financials to obtain FHA loan for my first home. His team are all great, readily available by phone and e-mail. I applied for the Md FHA loan initially but my 2nd job did not qualify for the length of employment requirement. Dave gave me another option which is FHA loan without the downpayment assistance from the state, loan was approved and I'm now a homeowner! He even gave me moving boxes. I would definitely refer David Ratti Dave was able to provide with all the needed information regarding financials to obtain FHA loan for my first home. His team are all great, readily available by phone and e-mail. I applied for the Md FHA loan initially but my 2nd job did not qualify ...read full review
5.0
5.0 Survey completed on March 8, 2017
Reviewed By Mert for David Ratti
Completed transaction in March 2017
Well informed explain everything in detail very personal made you feel comfortable with no pressure to get things done
5.0
5.0 Survey completed on March 7, 2017
Reviewed By McGboye for David Ratti
Completed transaction in March 2017
New homebuyer. Complete greenhorn. I needed to close the transaction within a relatively shorter time because my previous potential lender opted out weeks after buyer accepted my offer. Enter Embrace. David and his team. They provided all the information i needed. Went the extra mile in confirming my employment outside the US, something that made other lenders bail on me. David and his team were always on hand to answer my questions - and i did have many questions, some of them probably stupid. They answered. It was a good experience. My wife was pleasantly surprised at how easy it went. My realtor and David were big factor in making it so.New homebuyer. Complete greenhorn. I needed to close the transaction within a relatively shorter time because my previous potential lender opted out weeks after buyer accepted my offer. Enter Embrace. David and his team. They provided all the infor ...read full review
4.0
4.0 Survey completed on December 6, 2016
Reviewed By N/A for David Ratti
Completed transaction in December 2016
The group worked with me and try to meet all of my needs.
5.0
5.0 Survey completed on October 14, 2016
Reviewed By WJ for David Ratti
Completed transaction in October 2016
Dave was prompt in answering all our questions whether by phone, text or email. We were extremely thankful to have a local lender who was able to keep us on track for closing! We will definitely consider him for all our future mortgage needs!
5.0
5.0 Survey completed on September 3, 2016
Reviewed By Happy G. for David Ratti
Completed transaction in September 2016
This is the 2nd time I have used Dave Ratti and his team at Embrace and highly recommend them
5.0
5.0 Survey completed on August 18, 2016
Reviewed By Patty for David Ratti
Completed transaction in August 2016
David Ratti was extremely helpful & knowledgeable, & guided me to the best possible outcome. I appreciate all of the efforts of the entire Embrace team.
5.0
5.0 Survey completed on August 4, 2016
Reviewed By Sonyia for David Ratti
Completed transaction in August 2016
If you are in the market for a home loan, Embrace Home Loans is your best bet. Dave and his team were so efficient, professional, and attentive. My loan was a little unique but, the team was able to ensure me a successful closing. Thanks so much Dave and the rest of the Embrace Home Loans team for making my dream of homeownership come true!If you are in the market for a home loan, Embrace Home Loans is your best bet. Dave and his team were so efficient, professional, and attentive. My loan was a little unique but, the team was able to ensure me a successful closing. Thanks so much D ...read full review
5.0
5.0 Survey completed on June 30, 2016
Reviewed By Misha for David Ratti
Completed transaction in June 2016
I had a great experience from beginning to the end! There was one hiccup in the process, but David and his team ensured that I was well taken care of. David went above and beyond to calm my nerves during the entire process, which can be a full time job itself :)I had a great experience from beginning to the end! There was one hiccup in the process, but David and his team ensured that I was well taken care of. David went above and beyond to calm my nerves during the entire process, which can be a full time j ...read full review
5.0
5.0 Survey completed on June 24, 2016
Reviewed By Vick for David Ratti
Completed transaction in June 2016
Good experience working with Dave and his team. They worked with us every step of the way, helped us get our closing date moved up. They answered every questions, Dave himself calling after hours when I had concerns to answer any question.
5.0
5.0 Survey completed on June 9, 2016
Reviewed By N/A for David Ratti
Completed transaction in June 2016
My husband and I were extremely pleased with David Ratti and the Embrace Home Loans team. They answered questions in a timely matter and also explained in details. I will definitely recommend Embrace Home Loan to anyone who wants to buy a home.
5.0
5.0 Survey completed on May 4, 2016
Reviewed By Showtime for David Ratti
Completed transaction in May 2016
My customer experience was excellent with Embrace. Mr. Ratti not only help me with the financing, he also provided me with a great Real Estate agent, James Moran. The entire process was excellent. I felt like a part of a family during the entire process.My customer experience was excellent with Embrace. Mr. Ratti not only help me with the financing, he also provided me with a great Real Estate agent, James Moran. The entire process was excellent. I felt like a part of a family during the entire proc ...read full review
5.0
5.0 Survey completed on September 12, 2013
Reviewed By user1028986 for David Ratti
Completed transaction in September 2013
After very poor experiences with two other individuals, a friend recommended Dave .. and .. Wow! What a difference it makes when you are dealing with a knowledgeable, caring professional!! I have since recommended him to friends, family & coworkers.
5.0
5.0 Survey completed on January 28, 2013
Reviewed By user2514741 for David Ratti
Completed transaction in January 2013
Dave was very honest and easy to work with. My biggest reason for not refinancing was that I did not want to do all the paperwork. He made the process quick and painless. He also followed up with me throughout the process to keep me updated on the development of the refinance. Many companies offer the same rates, but his customer service is untouched. I would work with him again and would recommend him to others.Dave was very honest and easy to work with. My biggest reason for not refinancing was that I did not want to do all the paperwork. He made the process quick and painless. He also followed up with me throughout the process to keep me updated on the ...read full review
5.0
5.0 Survey completed on January 28, 2013
Reviewed By user8116869 for David Ratti
Completed transaction in January 2013
David assisted me on three refinances for my mortgage over the years, with my most recent being in 2012. When I had a good mortgage rate at 6%, Dave reached out to me and was able to drop my 30 year fixed from 6% to 4% - saving me $600.00 per month! In my dealings with Dave, he has always dealt with me honesty, been highly professional and worked with integrity. These are three traits that can be tough to find in today's business environment. If you do business with Dave, you will be more than satisfied. I highly recommend him.David assisted me on three refinances for my mortgage over the years, with my most recent being in 2012. When I had a good mortgage rate at 6%, Dave reached out to me and was able to drop my 30 year fixed from 6% to 4% - saving me $600.00 per month! ...read full review
5.0
5.0 Survey completed on January 28, 2013
Reviewed By user15785026 for David Ratti
Completed transaction in January 2013
Wow...Mr. Ratti...the best in the business. He will get you the best rate possible. He and his team will work with you to make sure you are comfortable with the home or your choice that fits your budget. GO WITH MR, RATTI YOU WONT GO WRONG...

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