Ramsey Davies

Maryland - Columbia


8840 Stanford Boulevard, Suite 1000

Columbia, MD 21045


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.

Click here to get the Home Buying Guide


Meet the Team

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

 2018, 2016

98% Customer Satisfaction Rating
Better Business Bureau logo
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender



5.0 Survey completed on May 21, 2019

Review By chandler c. for Ramsey Davies

Completed transaction in May 2019

I highly recommend Ramsey! As first time home buyers, we were very overwhelmed and unaware of the loan process. Ramsey walked us through it all and made everything very clear. He focused on our wants and needs more than any other lender we talked with. We wouldn’t have been able to do this without him!


5.0 Survey completed on May 17, 2019

Review By Timothy S. for Ramsey Davies

Completed transaction in May 2019

Ramsey was excellent from day one. He was great at explaining the complexities of home loans and the numerous programs available. He was always a phone call away and possessed the ability to put my mind at ease any time I had a question or concern. Would recommend to any friends or family looking to start the home loan process.


5.0 Survey completed on May 17, 2019

Review By Brian P. for Ramsey Davies

Completed transaction in May 2019

After working directly with 2 banks who made me feel like buying a Condo at the Beach was not going to be possible, I consulted my Ramsey for advice. Ramsey instantly made me feel comfortable with confidentiality amongst our common friends and literally started my process within minutes. He discovered that I was a very qualified buyer my loan was just going to take a lot of work due to 9 other properties I own. Not only did he get us closed with NO issues but with a great rate


5.0 Survey completed on May 12, 2019

Review By Kelley K. for Ramsey Davies

Completed transaction in May 2019

Ramsey is smart and can make the process make sense for first time buyers. He was resourceful and responded quickly to all my questions-- which was really helpful when finding a home we could afford.


5.0 Survey completed on May 10, 2019

Review By George J. for Ramsey Davies

Completed transaction in April 2019

Ramsey response time was always rapid. Weather it were an email, text, or phone call; we knew we'd be getting and update, or answer to our concerns. He stuck with us throughout the process even when we weren't quite in position to qualify for a mortgage. He let us know what we needed to do; we did just that, and got the loan for our dream home.....Thank you Ramsey!

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