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Ramsey Davies

Loan Officer NMLS# 174664

4.95 (511 Reviews)

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Ramsey Davies is a trusted mortgage professional in Columbia, MD 21044

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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.

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Meet the Team

With over a decade of experience at Embrace Home Loans, Kelly serves as a Senior Processor. She works closely with borrowers, sales teams, and underwriters to gather documentation, thoroughly review files, and ensure loans are approved and closed efficiently. Her mortgage career began in 2009 at Academy Mortgage as a loan officer assistant. She transitioned into processing in 2012 and has remained dedicated to the role ever since. In 2015, she joined Embrace after being introduced to the company by a mutual friend, Mike Davidson. The positive culture and people made the decision an easy one. Her dedication and attention to detail have earned her recognition, including the most closed loans by a processor at Embrace in 2024. Originally from Dutchess County, NY, she now lives in Harford County, MD. She stays active in the community through local clubs like the Harford County Running Club and the Harford Multi-sport Club. An avid triathlete and marathon runner, she enjoys staying physically active and competing. She holds a Bachelor of Arts in Music Education and Clarinet Performance from the Peabody Conservatory of Johns Hopkins University. Outside of work, she enjoys long bike rides, relaxing afternoons at the beach, and spending time with her two dogs—Chester, a Chesapeake Bay Retriever, and Gunner, an English Red Fox Labrador.

young family with their sons at home having fun

2020 - 2018, 2016

See what other homeowners have to say about me

Ramsey Davies
5

Jacob J.

Completed transaction in August 2025

Ramsey and his team is simply the best. Prompt, caring, personal, and works with you to make you happy even under tough circumstances. It was the second time working with him, and we will be back. Thank you so much, Ramsey and the Embrace Team.
Ramsey Davies
5

Richard P.

Completed transaction in August 2025

The professionalism and communication throughout this entire process was outstanding. I have already, and will continue, referring clients. Thank you for all your help , honestly, and hard work during this process.
Ramsey Davies
5

Joddi P.

Completed transaction in August 2025

Very professional yet friendly, very knowledgeable and trustworthy.
Ramsey Davies
5

Alexander O.

Completed transaction in July 2025

Seeked out all possible options for the best possible outcome for me!
Ramsey Davies
5

Bradley L.

Completed transaction in June 2025

Ramsey was always available to answer my questions. Sometimes I'd text him at night after work when I had time to review documents with the expectation that he'd get back to me in the morning, but he always responded right away. Ramsey's detailed knowledge of all the lower level details and steps of the process gave me the confidence we were making the right decisions and helped us to save a lot of money.

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Columbia, MD Mortgage Loan Officers

443.283.0807

Frequently asked questions

How do I get pre-approved for a mortgage in Columbia?

You can get pre-approved online, over the phone, or in person at our Columbia branch. We'll review your income, credit, and goals to provide a personalized letter to help strengthen your offer.

What’s the best mortgage for a first-time homebuyer in Columbia?

It depends on your budget, credit, and goals, but our local loan officers in Columbia will walk you through the best options, from conventional loans to government-backed programs.

Does Embrace Home Loans have a branch in Columbia?

Yes! Our Columbia branch is located at 6100 Merriweather Drive, Suite 220, , Columbia, MD 21044, and we serve homebuyers in the surrounding area. Stop by or schedule a meeting with a loan officer today.

Can I buy a home in Columbia with little money down?

Yes. Our team in Columbia can help you explore low or no down payment options, including FHA, VA, and local assistance programs you may qualify for.

Who are the top mortgage lenders in Columbia, MD?

Embrace Home Loans is a trusted mortgage lender in Columbia, MD. Our local team offers personalized guidance and a wide range of loan options to help you buy with confidence.

License

Ramsey Davies, NMLS # 174664 (www.nmlsconsumeraccess.org), is employed by Embrace Home Loans and is licensed in: DC, DE, FL, MD, NC, NJ, PA, VA, WV