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Ramsey Davies

Maryland - Columbia

6100 Merriweather Drive, Suite 220,

Columbia, MD 21044


About Ramsey

Embrace Home Loans is proud to have Ramsey Davies as a member of its team as a Loan Officer.

Ramsey is a knowledgeable mortgage professional with a proven track record of success. He has demonstrated a commitment to providing the best financing options to home buyers and homeowners alike. Since 2006 he has successfully helped hundreds of families all across the country secure home financing to improve their financial situation, or realize their dream of home ownership. Ramsey has a thorough understanding of what it takes to close loans, and will fight to secure the best deal for his clients. Ramsey also takes pride in providing all his clients and referral partners with exceptional customer service and great communications throughout the entire approval process.

Prior to joining Embrace, Ramsey worked for NFM Lending as a Branch Manager and NewDay Financial as a Senior Loan Officer. While employed with these companies, Ramsey was awarded numerous Top Producer and President’s Clubs awards. Ramsey is an affiliate member of the Howard County Association of Realtors.

Ramsey graduated from West Virginia University in 2005 with a BA. Currently he lives in Laurel (Emerson) with his wife Sasha, daughter Alexa and son William. In his spare time, Ramsey enjoys golf. He is a passionate fan of the Washington Redskins and West Virginia Mountaineers.


Meet the Team

Rachel DiGrazio
Rachel DiGrazio is an upstate New York native and grew up in the small town of Rochester. She relocated to Maryland in 2015 and started her career with Embrace Home Loans. Rachel has 10 years of experience in the mortgage industry. She prides herself on being a dedicated teammate and takes great initiative mentoring others. Rachel is not afraid to step out of her comfort-zone and tackle any obstacles that may arise. In her free time, Rachel enjoys spending time with family and friends, working-out, and traveling. Rachel is also an avid BARCS (Baltimore Animal Rescue and Care Shelter, Inc.) supporter and often volunteers at the local shelter in Baltimore.
Click here to see reviews on Zillow

Embrace home loans Presidents club 2020 - 2018, 2016

98% Customer Satisfaction Rating
Zillow 5 star rating
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender


  • 5

    5 Survey completed on October 06, 2021

    Review By Krzysztof C. for Ramsey Davies

    Completed transaction in October 2021

    Outstanding job with every step. Superb understanding and caring professional..thanks for everything

  • 5

    5 Survey completed on September 15, 2021

    Review By Derek J. for Ramsey Davies

    Completed transaction in September 2021

    The overall communication, timeliness and consistency was great!

  • 5

    5 Survey completed on September 07, 2021

    Review By Rachel G. for Ramsey Davies

    Completed transaction in September 2021

    Ramsey was professional, responded quickly and thoroughly explained the process and answered all of our questions. Thanks !!

  • 5

    5 Survey completed on September 04, 2021

    Review By Yvette B. for Ramsey Davies

    Completed transaction in August 2021

    Ramsey was awesome! He was honest and transparent about the entire loan process. He helped me work out a loan that made sense for my financial situation and made sure I understood every decision being made. He was patient and willing to answer all of my questions and always had a positive attitude! Loved my experience and will definitely recommend Ramsey to everyone I know!

  • 5

    5 Survey completed on September 04, 2021

    Review By Jeremiah G. for Ramsey Davies

    Completed transaction in September 2021

    Thanks Ramsey for all your help !

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Mortgage Rates Hit Their Highest Point in Months

Mortgage rates hit their highest point since April this week, according to Freddie Mac. The average rate on 30-year, fixed-rate loans clocked in at 3.05% — up from 2.99% last week.  “As inflationary pressure builds due to the ongoing pandemic and tightening monetary policy, we expect rates to continue a modest upswing,” said Sam Khater,…

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