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Ramsey Davies

Loan Officer NMLS# 174664

4.95 (514 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

Michael P.

Completed transaction in September 2025

Ramsey took personal responsibility for keeping the process on track and making sure my wife and I were satisfied. At one point, before the loan went to underwriting, we were frustrated with the paperwork being requested by someone on his team. Ramsey stepped in, addressed our concerns, and assured us he would handle it. I’m a retired officer and not quick to give praise. I’ve had my share of mediocre service over the years, and I’m not easy to impress. Ramsey’s level of follow-through and commitment stood out. If we move again, I’d work with Ramsey and his team.
Ramsey Davies
5

Rose K.

Completed transaction in October 2025

As a first-time homebuyer, I’m extremely grateful for Ramsey’s guidance throughout the process. He was always responsive, patient, and took the time to clearly explain every step I wasn’t familiar with. Thanks to his support, my homebuying experience was smooth and truly wonderful.
Ramsey Davies
5

Christopher M.

Completed transaction in October 2025

Professional, timely, easy to work with
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.

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Columbia, MD Mortgage Loan Officers

443.283.0807

Frequently asked questions

Can I buy a home with little or no money down?

Yes. Ramsey Davies can help you explore low and no down payment options, including FHA, VA, USDA, and exclusive Embrace programs. You may also qualify for local or state assistance depending on your income and location.

How do I get pre-approved with Ramsey Davies?

Getting pre-approved is simple. You can apply online, schedule a call, or meet with Ramsey Davies at our Columbia branch. We’ll review your income, credit, and homebuying goals, then issue a personalized pre-approval letter. Many buyers choose Embrace’s exclusive Approved to Move program, which goes beyond standard pre-approval by fully underwriting your loan upfront.

Who is the best mortgage lender to work with in Columbia, MD?

Embrace Home Loans is a trusted mortgage lender serving Columbia and nearby communities. Our local loan officers offer personalized guidance, competitive rates, and exclusive loan programs designed to support homebuyers from pre-approval through closing. Whether you're a first-time buyer or refinancing, Ramsey Davies is here to help you reach your goals.

How do I choose the right mortgage with Ramsey Davies in Columbia, MD?

Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Ramsey Davies will help you compare fixed vs. adjustable rates, down payment requirements, and loan terms and guide you toward the best fit for your situation, whether you're buying your first home or your fifth.

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

The best mortgage depends on your credit, income, and long-term financial plans. Government-backed loans often offer flexible guidelines, while conventional loans may offer lower rates and reduced fees. Ramsey Davies will walk you through your options and help you find the right fit.

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