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Ramsey Davies

Ramsey Davies

Loan Officer
Phone: 800.333.3004 ext. 3761
Mobile: 410.419-8554
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About

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 see reviews on Zillow 

 

Presidents Club 2016

 

Branch: Maryland - Columbia, 8840 Stanford Boulevard, Columbia, MD 21045

Ramsey Davies, NMLS# 174664 , is employed by Embrace Home Loans and is licensed in:
CA DC DE FL GA MD NJ PA VA WV

Reviews (75 Reviews)

5.0
5.0 Survey completed on September 8, 2017
Reviewed By mel481 for Ramsey Davies
Completed transaction in August 2017
Incredible doesn't quite describe Ramsey's service. His team went above and beyond to close quickly and efficiently. He provided helpful advice and worked extended hours. He was exceptional!
5.0
5.0 Survey completed on August 23, 2017
Reviewed By Francis DiCarlo for Ramsey Davies
Completed transaction in August 2017
Ramsey went above and beyond is duties as a loan officer for our home buy. He is a great person who made himself always available no matter how little the issue. My family and I cannot thank him enough for his assistance with our new home.
5.0
5.0 Survey completed on August 22, 2017
Reviewed By frank dicarlojr for Ramsey Davies
Completed transaction in August 2017
I am recently retired from the Navy and just moved back to Kent Island. Ramsey went above and beyond to suit our needs in a new home. He did his best to keep my wife and I calm through the process as there are always bumps in the road when trying to buy a new home. Whether it's the seller being a pain or the realtors not being helpful, Ramsey always made himself available to talk about the issue. Give him a call and he will do everything in his power to assist you and your loan needs. I will recommend Ramsey to all my friends, family and anyone else that I come across. My wife, son and I can't thank you enough for you and your team's help to get us through the process.I am recently retired from the Navy and just moved back to Kent Island. Ramsey went above and beyond to suit our needs in a new home. He did his best to keep my wife and I calm through the process as there are always bumps in the road when trying to ...read full review
5.0
5.0 Survey completed on August 8, 2017
Reviewed By christianhayes10 for Ramsey Davies
Completed transaction in July 2017
Working with Ramsey has been a great experience. We stuck with him from pre-approval all the way through to close. He was incredibly responsive throughout the process and worked hard to get us the best rate possible. At the end of the day we were very happy to do business with him. Not only is Ramsey great at his job, but he's a great guy too!Working with Ramsey has been a great experience. We stuck with him from pre-approval all the way through to close. He was incredibly responsive throughout the process and worked hard to get us the best rate possible. At the end of the day we were ver ...read full review
5.0
5.0 Survey completed on August 5, 2017
Reviewed By Erin Hayes for Ramsey Davies
Completed transaction in August 2017
5.0
5.0 Survey completed on July 20, 2017
Reviewed By mike willoughby87 for Ramsey Davies
Completed transaction in July 2017
Ramsey was a pleasure to work with and i would highly recommend him to anyone in need of any loans or refinancing. His professional attitude and extreme knowledge of the entire process made it a smooth transition during the refinance.
5.0
5.0 Survey completed on July 18, 2017
Reviewed By Michael Willoughby for Ramsey Davies
Completed transaction in July 2017
Ramsey is very professional and knowledgeable! I highly recommend using him for any and all mortgage and refinancing needs.
5.0
5.0 Survey completed on July 16, 2017
Reviewed By kristopher sgambato for Ramsey Davies
Completed transaction in July 2017
Ramsey was excellent to work with throughout the entire process. He stayed on top of all the documentation required throughout the process, communicated everything that was going on, and worked with us to make sure we were providing all of the necessary information needed to close the loan. Securing a loan to buy a house can be a stressful thing, but Ramsey made sure we got everything squared away in time for closing. I'd recommend him to anybody.Ramsey was excellent to work with throughout the entire process. He stayed on top of all the documentation required throughout the process, communicated everything that was going on, and worked with us to make sure we were providing all of the necess ...read full review
5.0
5.0 Survey completed on July 13, 2017
Reviewed By Lucas Menard for Ramsey Davies
Completed transaction in June 2017
Ramsey was always available when I had questions and explained the process thoroughly. I would HIGHLY recommend him. We would not have been able to purchase our first home without him. Thank you, Ramsey!
5.0
5.0 Survey completed on July 13, 2017
Reviewed By Rohini Maris for Ramsey Davies
Completed transaction in June 2017
Ramsey was patient with us as first time buyers, helpful with advice in our unusual circumstances, and helped get us to closing as quickly as we had requested in a very tight timeframe.
5.0
5.0 Survey completed on July 6, 2017
Reviewed By lanavonb for Ramsey Davies
Completed transaction in June 2017
Ramsey is a wonderful loan officer, he worked with me from start to finish. I would not have been able to buy my first house without him! He is knowledgeable, caring and helped me through every step of the way. He was always available when I had any questions and always enjoyable to talk to. He made my dream of becoming a homeowner a reality! I HIGHLY recommend him! You won't regret working with Ramsey.Ramsey is a wonderful loan officer, he worked with me from start to finish. I would not have been able to buy my first house without him! He is knowledgeable, caring and helped me through every step of the way. He was always available when I had any ...read full review
5.0
5.0 Survey completed on June 30, 2017
Reviewed By Alexander Samuels for Ramsey Davies
Completed transaction in May 2017
Great service, easy to talk to, secured a better rate than USAA and very informative throughout the whole process.
5.0
5.0 Survey completed on June 29, 2017
Reviewed By Justin Emery for Ramsey Davies
Completed transaction in June 2017
Great company, great loan officer, highly recommended
5.0
5.0 Survey completed on June 29, 2017
Reviewed By weraracer33 for Ramsey Davies
Completed transaction in June 2017
Professional, knowledgeable, courteous always available to answer questions....closed two earlier than expected, highly recommended great loan officer
5.0
5.0 Survey completed on June 27, 2017
Reviewed By Ashley Yost for Ramsey Davies
Completed transaction in June 2017
I am not the easiest person to deal with, but from the moment we started looking for a house and needed to be pre-qualified, to the final signature at closing, the one thing we never had to stress out about was our lender. Ramsey was always a pleasure to work with. He was readily available whenever we had a question, and his response time was amazing! There was never a point in which we were confused or feeling apprehensive because of our loan. He made a very stressful time much easier.I am not the easiest person to deal with, but from the moment we started looking for a house and needed to be pre-qualified, to the final signature at closing, the one thing we never had to stress out about was our lender. Ramsey was always a pleasu ...read full review
5.0
5.0 Survey completed on June 26, 2017
Reviewed By addy2019 for Ramsey Davies
Completed transaction in June 2017
From the moment we started looking for a house and needed to be pre-qualified, to the final signature at closing, the one thing we never had to stress out about was our lender. Ramsey was a pleasure to work with. He was readily available whenever we had a question, and his response time was amazing! There was never a point in which we were confused or feeling apprehensive because of our loan. I highly recommend Ramsey to anyone looking for a mortgage loan or refinance. I am sure any lender can provide you with adequate service, but Ramsey went above and beyond that and provided us with exceptional care and consideration and made us feel safe in our loan for our home. If we ever look to refinance, Ramsey will be our first and only call. We value his knowledge and appreciate his kindness.From the moment we started looking for a house and needed to be pre-qualified, to the final signature at closing, the one thing we never had to stress out about was our lender. Ramsey was a pleasure to work with. He was readily available whenever w ...read full review
5.0
5.0 Survey completed on May 20, 2017
Reviewed By zuser20140922105355513 for Ramsey Davies
Completed transaction in April 2017
I had many personal obstacles while going through the home buying process. Ramsey was quick and very helpful throughout the whole thing. He made it his business to keep me at ease and ensure things went as smoothly as possible. I am not the easiest person to work with and he was so patient and diligent. I will recommend him to ALL of my friends and family in the future.I had many personal obstacles while going through the home buying process. Ramsey was quick and very helpful throughout the whole thing. He made it his business to keep me at ease and ensure things went as smoothly as possible. I am not the easiest p ...read full review
5.0
5.0 Survey completed on May 18, 2017
Reviewed By Lmyers2025 for Ramsey Davies
Completed transaction in April 2017
This guy will get you wal hat ever you need and tailors his service to you based on your specific needs. He's a great communicator, is extremely honest, and absolutely looks out for your bet interests. If you're looking for a go-to guy in a lender, he's your man. Extremely satisfied with my experience, guy is a machine. Do yourself a favor and give him a call, you won't regret it.This guy will get you wal hat ever you need and tailors his service to you based on your specific needs. He's a great communicator, is extremely honest, and absolutely looks out for your bet interests. If you're looking for a go-to guy in a lender, h ...read full review
5.0
5.0 Survey completed on May 17, 2017
Reviewed By mhhenkelman for Ramsey Davies
Completed transaction in May 2017
Ramsey explained everything to us in full, he gave us his full time and attention for every question we asked. Ramsey did everything in his power to make sure we had the best deal and offer. He was available every time I needed to call. I could not ask for better service or advice.Ramsey explained everything to us in full, he gave us his full time and attention for every question we asked. Ramsey did everything in his power to make sure we had the best deal and offer. He was available every time I needed to call. I could not a ...read full review
5.0
5.0 Survey completed on May 13, 2017
Reviewed By zuser20150602140624848 for Ramsey Davies
Completed transaction in May 2017
He was amazing! Our credit wasnt very good but he worked with us to get it higher. He went above and beyond to try and get us a VA loan if it wasnt for one late payment he would have gotten us the VA loan. If it wasnt for him my husband and I would never been able to buy our home.He was amazing! Our credit wasnt very good but he worked with us to get it higher. He went above and beyond to try and get us a VA loan if it wasnt for one late payment he would have gotten us the VA loan. If it wasnt for him my husband and I would n ...read full review
5.0
5.0 Survey completed on May 11, 2017
Reviewed By FernandoRamirez5 for Ramsey Davies
Completed transaction in March 2017
As a first time home buyer I was unsure of how the lending process worked. Ramsey instilled confidence in me and made the process entirely comprehensive. He kept me on track from beginning to end and made the purchase possible in less than a month. No matter what the question, he was able to answer me in a prompt, and detailed fashion.As a first time home buyer I was unsure of how the lending process worked. Ramsey instilled confidence in me and made the process entirely comprehensive. He kept me on track from beginning to end and made the purchase possible in less than a month. ...read full review
5.0
5.0 Survey completed on May 11, 2017
Reviewed By jensen cowboys for Ramsey Davies
Completed transaction in April 2017
Ramsey was very good to work with. He got my loan through with a pretty quick turn around. Ramsey was very informative n helped me understand things from the beginning to the end. I met with a couple different lenders n chose Ramsey.
5.0
5.0 Survey completed on May 9, 2017
Reviewed By n essey for Ramsey Davies
Completed transaction in May 2017
Ramsey Davies with Embrace Home Loans did an outstanding job throughout our entire home buying process. He made us comfortable through absolutely every step of what could have been a stressful time. Ramsey's professionalism, experience and personalized service were second to none. For literally over a year we searched for the perfect home and Ramsey would always respond to our many late night calls, texts and emails and fully explain whatever questions we had, run numbers and send custom loan approval letters for each property that we offered on, often upon a late night request. Ramsey often shared his professional financial insights with us and always went the extra mile to explain our many questions. I highly recommend Ramsey if you are looking for a sharp, trustworthy, responsive loan officer.Ramsey Davies with Embrace Home Loans did an outstanding job throughout our entire home buying process. He made us comfortable through absolutely every step of what could have been a stressful time. Ramsey's professionalism, experience and personali ...read full review
5.0
5.0 Survey completed on April 26, 2017
Reviewed By anteater47 for Ramsey Davies
Completed transaction in April 2017
Very knowledgeable and efficient. Helped guide us through the decisions that were right for us. Prepared us for pre-approval and quickly brought us through closing without any hiccups. Would definitely use him again.
5.0
5.0 Survey completed on April 11, 2017
Reviewed By YANG HAN3 for Ramsey Davies
Completed transaction in April 2017
I would like to express how much I have enjoyed being work with Ramsey, as well as his team. Getting to know someone is to work with them. As a loan officer, Ramsey has demonstrated his strong professional expertise and solid communication skill. He has been extremely helpful through the entire housing buying process. He is collaborative team player, worked closely with my agent and title service, and constantly keep everyone updated through the loan application, approval and closing process. I appreciate his enthusiasm and it was just nice meeting someone with such positive attitude. I would strongly recommend him to anybody and I am sure you won't ever regret to work with him and his team.I would like to express how much I have enjoyed being work with Ramsey, as well as his team. Getting to know someone is to work with them. As a loan officer, Ramsey has demonstrated his strong professional expertise and solid communication skill. He ...read full review
5.0
5.0 Survey completed on April 4, 2017
Reviewed By zuser20140406155828394 for Ramsey Davies
Completed transaction in March 2017
Ramsey was nothing short of fantastic to work with throughout my investment home purchase. He was incredibly helpful and responsive. The loan was completed well before our deadline and my account is not an easy one to work with. I can't say enough great things about my experience with Ramsey and I would highly recommend using them to anyone.Ramsey was nothing short of fantastic to work with throughout my investment home purchase. He was incredibly helpful and responsive. The loan was completed well before our deadline and my account is not an easy one to work with. I can't say enough ...read full review
5.0
5.0 Survey completed on March 21, 2017
Reviewed By jenlwhite1982 for Ramsey Davies
Completed transaction in March 2017
The entire process went suprisingly smooth. Ramsey was able to explain everything to us and went over all of our options to find what worked best for us. He was able to answer all of our questions and worked around our schedule.
5.0
5.0 Survey completed on March 20, 2017
Reviewed By homebuyerc75h for Ramsey Davies
Completed transaction in March 2017
Came to Ramsey with a close date 3 weeks away. He got it done in 2 weeks. My agent tried to steer me to their associated lender. The agent's lender had a higher rate and higher fees and could not commit to meeting the close date. Ramsey went over all the options for me and was very frank with what would make sense for my situation. By far the easiest part of my home buying process was working with Ramsey to get the right loan for me.Came to Ramsey with a close date 3 weeks away. He got it done in 2 weeks. My agent tried to steer me to their associated lender. The agent's lender had a higher rate and higher fees and could not commit to meeting the close date. Ramsey went over all ...read full review
5.0
5.0 Survey completed on February 8, 2017
Reviewed By zuser20141207150729179 for Ramsey Davies
Completed transaction in January 2017
I am a first time home buyer and with that came a lot of questions. Ramsey was always available for answering any questions I had and I felt reassured that I knew what I needed to get to closing on time!
5.0
5.0 Survey completed on January 2, 2017
Reviewed By thadandsoco for Ramsey Davies
Completed transaction in December 2016
When we approached Ramsey we were supposed to close on our house in less than 2 weeks time. We had started with a different agency and they left out a couple major details in the week coming up to closing. We had to reschedule the closing and they needed me to run down more paperwork. We decided to change lenders and we went with Ramsey. We explained what was going on and he took it from there. He tracked down all necessary paperwork and got the loan done. It took him a couple of days to do what I asked to be done over the course of 5 months with the other lender. He also got us a lower interest rate. Not to mention he did this over the Christmas weekend. We celebrated New Years in our new home. Thanks Ramsey, Thad and SocoWhen we approached Ramsey we were supposed to close on our house in less than 2 weeks time. We had started with a different agency and they left out a couple major details in the week coming up to closing. We had to reschedule the closing and they ne ...read full review
5.0
5.0 Survey completed on January 2, 2017
Reviewed By benjamin fetrow for Ramsey Davies
Completed transaction in December 2016
Ramsey answered all my questions (i hammered him with a million of them!) and got back to me via text/email within hours. He thinks outside the box and gets things done. He is extremely honest, friendly, and knowledgeable. Ramsey takes the time to go over each number to make sure i understood. I refer everyone I meet to him! Ramsey answered all my questions (i hammered him with a million of them!) and got back to me via text/email within hours. He thinks outside the box and gets things done. He is extremely honest, friendly, and knowledgeable. Ramsey takes the time to go ...read full review
5.0
5.0 Survey completed on December 1, 2016
Reviewed By TomReagan8 for Ramsey Davies
Completed transaction in November 2016
Ramsey was helpful, responsive, timely, and organized. My wife and I were first-time homebuyers, and he was available all hours of the day to answer every question we had. Our closing happened very quickly (21 days), and the loan application and approval process was completely painless thanks to Ramsey. I would highly recommend him to anyone. Ramsey was helpful, responsive, timely, and organized. My wife and I were first-time homebuyers, and he was available all hours of the day to answer every question we had. Our closing happened very quickly (21 days), and the loan application and appr ...read full review
5.0
5.0 Survey completed on November 29, 2016
Reviewed By Leo King for Ramsey Davies
Completed transaction in August 2016
Ramsey was extremely helpful and patience in processing my loan. He put in a lot of effort in the process and took his time to answer my questions, even in the evenings and weekends. Definitely highly recommended.
5.0
5.0 Survey completed on November 28, 2016
Reviewed By elmnpm for Ramsey Davies
Completed transaction in November 2016
Ramsey and his Team worked to simplify the lending process for our home buying experience. His knowledge, professionalism, and expertise throughout the process was impressive. He works to serve his customers and happily explained things along the way to help us avoid any unwanted surprises. Overall, a great experience with Embrace, Ramsey and his team!Ramsey and his Team worked to simplify the lending process for our home buying experience. His knowledge, professionalism, and expertise throughout the process was impressive. He works to serve his customers and happily explained things along the way ...read full review
5.0
5.0 Survey completed on November 23, 2016
Reviewed By NPM for Ramsey Davies
Completed transaction in November 2016
Ramsey and his team did a great job providing support for our mortgage/lending needs. He clearly explained the process, and what was to come, so we had no surprises to deal with along the way. Constant communication and availability allowed him to better serve us as a customer. He knows his stuff!Ramsey and his team did a great job providing support for our mortgage/lending needs. He clearly explained the process, and what was to come, so we had no surprises to deal with along the way. Constant communication and availability allowed him to be ...read full review
5.0
5.0 Survey completed on November 15, 2016
Reviewed By mlm21283 for Ramsey Davies
Completed transaction in November 2016
I could call, text, or email Ramsey any time and he always provided timely, attentive, informative, and helpful service. He answered my questions or sought out the answers to my questions, alleviated my concerns (outside of his control) that can and will likely arise during the home buying process, and guided me through the process in a way that was easy to follow.I could call, text, or email Ramsey any time and he always provided timely, attentive, informative, and helpful service. He answered my questions or sought out the answers to my questions, alleviated my concerns (outside of his control) that can and ...read full review
5.0
5.0 Survey completed on November 9, 2016
Reviewed By Beth for Ramsey Davies
Completed transaction in November 2016
Ramsey worked with me on a refinance where we put the majority of the loan on a fixed rate, but also financed some with a HELOC from Tower Federal at a variable rate - which is perfect for us because we would like to use the equity in the future to finance some big home improvements but didn't want to refinance again.Ramsey worked with me on a refinance where we put the majority of the loan on a fixed rate, but also financed some with a HELOC from Tower Federal at a variable rate - which is perfect for us because we would like to use the equity in the future to f ...read full review
5.0
5.0 Survey completed on November 8, 2016
Reviewed By dmulloydj for Ramsey Davies
Completed transaction in October 2016
Ramsey Davies was there from start to finish for my home buying experience. He was able to help or advise me in all of the issues I was having on my end of this process and was accessable whenever I reached out to him or his staff. As a first time home buyer I was blown away by just how easy and exciting he made this experience as a whole. couldn't have asked for anything else and I would highly recommend Ramsey to anyone.Ramsey Davies was there from start to finish for my home buying experience. He was able to help or advise me in all of the issues I was having on my end of this process and was accessable whenever I reached out to him or his staff. As a first time ho ...read full review
5.0
5.0 Survey completed on November 6, 2016
Reviewed By leeyiban for Ramsey Davies
Completed transaction in October 2016
Ramsey was referred to me by my realtor and I am really happy I went with that referral. This was my first time buying a home and I had a lot of questions which Ramsey was always there to answer. He never pressured me to make decisions and was comfortable with me seeking other companies for their rates. He is professional with exceptional customer service who works around your schedule for deadlines. I would highly recommend Ramsey for anyone seeking an honest no pressure loan officer who is also very knowledgeable.Ramsey was referred to me by my realtor and I am really happy I went with that referral. This was my first time buying a home and I had a lot of questions which Ramsey was always there to answer. He never pressured me to make decisions and was comf ...read full review
5.0
5.0 Survey completed on October 25, 2016
Reviewed By igallo for Ramsey Davies
Completed transaction in October 2016
Ramsey Davies was awesome. I have been through quite a few closings and refi's and this was the best. It was quick and Ramsey answered any questions that I had.
5.0
5.0 Survey completed on October 25, 2016
Reviewed By user1782626 for Ramsey Davies
Completed transaction in October 2016
Ramsey worked with me on a refinance where we put the majority of the loan on a fixed rate, but also financed some with a HELOC from Tower Federal at a variable rate - which is perfect for us because we would like to use the equity in the future to finance some big home improvements but didn't want to refinance again.Ramsey worked with me on a refinance where we put the majority of the loan on a fixed rate, but also financed some with a HELOC from Tower Federal at a variable rate - which is perfect for us because we would like to use the equity in the future to f ...read full review
5.0
5.0 Survey completed on October 21, 2016
Reviewed By ilovedeubs for Ramsey Davies
Completed transaction in October 2016
We were given Ramsey's information when we were looking at getting a 203k loan for a remodel on a house we were hoping to buy. I emailed Ramsey on a Sunday and by the end of the night, I had all the information I needed to know about 203k loans and how to proceed. We ended up not making an offer on that house, but we knew at that moment we would be working with Ramsey no matter what house we would end up buying. We put an offer in on a house a few weeks later and Ramsey was awesome! He answered all of our questions and I never had to wait for a reply. He was always available and willing to assist us with anything we needed. We had a 30 day close and ended up moving the closing up by a week and everything was completed without any problems. This was my first home buying experience, and I have to say, it was a great one thanks to Ramsey and his team. I was confident with his team and their professionalism throughout the entire process. Ramsey was transparent with everything and there were absolutely no surprises at closing. I highly HIGHLY recommend Ramsey Davies. We were given Ramsey's information when we were looking at getting a 203k loan for a remodel on a house we were hoping to buy. I emailed Ramsey on a Sunday and by the end of the night, I had all the information I needed to know about 203k loans and ...read full review
5.0
5.0 Survey completed on October 13, 2016
Reviewed By planetharris7 for Ramsey Davies
Completed transaction in October 2016
Working with Ramsey was a breeze!!! He is very friendly, knowledgeable and caring. Ramsey always answered the phone and answered all my questions/concerns in a professional way. Obtaining our loan was easy and enjoyable working with him!! If you need a lender, see RAMSEY!!!! Hands down, Ramsey is the BEST!!Working with Ramsey was a breeze!!! He is very friendly, knowledgeable and caring. Ramsey always answered the phone and answered all my questions/concerns in a professional way. Obtaining our loan was easy and enjoyable working with him!! If you ...read full review
5.0
5.0 Survey completed on October 6, 2016
Reviewed By colleenkupfer for Ramsey Davies
Completed transaction in September 2016
Ramsey worked with us for several months and laid out several different scenarios for us based on what kind of home we were considering for purchase. He was patient and honest, always available by phone or text, VERY responsive to our emails, and always kept the mood light when talking complicated mortgage jargon. We highly recommend Ramsey for your next home loan, you will not be disappointed. Ramsey worked with us for several months and laid out several different scenarios for us based on what kind of home we were considering for purchase. He was patient and honest, always available by phone or text, VERY responsive to our emails, and alw ...read full review
5.0
5.0 Survey completed on October 6, 2016
Reviewed By CKupfer for Ramsey Davies
Completed transaction in October 2016
Ramsey worked with us for several months and laid out several different scenarios for us based on what kind of home we were considering for purchase. He was patient and honest, always available by phone or text, VERY responsive to our emails, and always kept the mood light when talking complicated mortgage jargon. We highly recommend Ramsey for your next home loan, you will not be disappointed.Ramsey worked with us for several months and laid out several different scenarios for us based on what kind of home we were considering for purchase. He was patient and honest, always available by phone or text, VERY responsive to our emails, and alw ...read full review
5.0
5.0 Survey completed on October 3, 2016
Reviewed By Tomtazzle for Ramsey Davies
Completed transaction in October 2016
If you want your mortgage process to be accurate, timely, and proactive, you want to work with Ramsey Davies. A true professional, trustworthy and knowledgeable in all aspects of the Home Buying process, he will fight for the best rates and loan agreements that best suit your needs. He was attentive to our needs and always made himself available to address our comments and concerns.If you want your mortgage process to be accurate, timely, and proactive, you want to work with Ramsey Davies. A true professional, trustworthy and knowledgeable in all aspects of the Home Buying process, he will fight for the best rates and loan agr ...read full review
5.0
5.0 Survey completed on August 25, 2016
Reviewed By user9689542 for Ramsey Davies
Completed transaction in August 2016
A true expert in his trade. He helped my family get the very best loan program that fit our long term financing needs. He was always quick to respond to all of my requests and his answers to my questions were very clear and concise. I would highly recommend Ramsey to help with any financial needs. A truly great experience.A true expert in his trade. He helped my family get the very best loan program that fit our long term financing needs. He was always quick to respond to all of my requests and his answers to my questions were very clear and concise. I would high ...read full review
5.0
5.0 Survey completed on August 25, 2016
Reviewed By evanpek87 for Ramsey Davies
Completed transaction in August 2016
Great team to work with, very helpful. They really put in the time and effort to get me closed despite many hurdles in the process. Highly recommended!
5.0
5.0 Survey completed on August 24, 2016
Reviewed By user0620712 for Ramsey Davies
Completed transaction in August 2016
As first time home buyers my fiancé and I contacted 3 different lenders to see who would be best for us to work with. We ultimately chose Ramsey Davies with Embrace Home Loans who came highly recommended by a coworker of my fiancé who was also a first time homebuyer. From our first meeting until our close yesterday, Ramsey was available literally at any hour to answer our many questions that came up during the home purchase process. Due to the hot market in the 21093 zip code and surrounding areas I am certain that his availability, especially on weekends and evenings, led us to our offer being accepted because we were able to confidently submit a strong offer knowing all of our questions had been answered. Ramsey is knowledgeable, thorough, honest, and professional. We couldn't be happier knowing that he went above and beyond expectation to make sure that we locked in the absolute best rate for our mortgage and ensured we were thoroughly informed throughout the entire process. It is without hesitation that I highly recommend Ramsey Davies and Embrace Home Loans as your choice for a lender for your home.As first time home buyers my fiancé and I contacted 3 different lenders to see who would be best for us to work with. We ultimately chose Ramsey Davies with Embrace Home Loans who came highly recommended by a coworker of my fiancé who was also a firs ...read full review
5.0
5.0 Survey completed on August 18, 2016
Reviewed By Tony C. for Ramsey Davies
Completed transaction in August 2016
Exceptional loan officer. Always available to answer questions even in evenings and weekends to guide me thru my application process. Extremely courteous and patience.
5.0
5.0 Survey completed on August 9, 2016
Reviewed By lskag for Ramsey Davies
Completed transaction in August 2016
Ramsey was very knowledgeable, helpful, and responsive. He made the process it as smooth and stress free as possible! Any questions or concerns I had were answered very quickly. Everyone was a pleasure to deal with.
5.0
5.0 Survey completed on July 25, 2016
Reviewed By ramcfall for Ramsey Davies
Completed transaction in July 2016
I feel like I should give Ramsey a 3 or 4 in something because all fives for every review on Zillow looks suspicious. But it isn't hype, he deserves 5's.Ramsey was friendly, knowledgeable, always available, and got us the rate we wanted. Everything was ready to go well before settlement. Hard to ask for more.I feel like I should give Ramsey a 3 or 4 in something because all fives for every review on Zillow looks suspicious. But it isn't hype, he deserves 5's.Ramsey was friendly, knowledgeable, always available, and got us the rate we wanted. Everything w ...read full review
5.0
5.0 Survey completed on July 19, 2016
Reviewed By jaimiek for Ramsey Davies
Completed transaction in July 2016
Ramsey did a great job explaining our options between different mortgage products, and guiding us towards the one that best fit our situation. He always responded quickly to texts and emails. Highly recommend.
5.0
5.0 Survey completed on July 16, 2016
Reviewed By Brian and Katie for Ramsey Davies
Completed transaction in July 2016
I think we can all agree that buying a house is an extremely stressful time. Which is why choosing the best loan officer is crucial. Ramsey was just that! First things first, Ramey is extremely personable and helpful. He was willing to answer any and all questions and didn't make you feel dumb in the process. Ramsey was always available. It was reassuring to know that he was local and I always had a direct line to him personally. He got us the lowest rate around and it was actually a better rate for a VA loan than USAA! I highly, highly recommend working with Ramsey. He will make the house buying process less stressful while having a great sense of humor along the way!I think we can all agree that buying a house is an extremely stressful time. Which is why choosing the best loan officer is crucial. Ramsey was just that! First things first, Ramey is extremely personable and helpful. He was willing to answer any and ...read full review
5.0
5.0 Survey completed on July 16, 2016
Reviewed By KatieArend for Ramsey Davies
Completed transaction in July 2016
I think we can all agree that buying a house is an extremely stressful time. Which is why choosing the best loan officer is crucial. Ramsey was just that! First things first, Ramey is extremely personable and helpful. He was willing to answer any and all questions and didn't make you feel dumb in the process. Ramsey was always available. It was reassuring to know that he was local and I always had a direct line to him personally. He got us the lowest rate around and it was actually a better rate for a VA loan than othersI highly, highly recommend working with Ramsey. He will make the house buying process less stressful while having a great sense of humor along the way!I think we can all agree that buying a house is an extremely stressful time. Which is why choosing the best loan officer is crucial. Ramsey was just that! First things first, Ramey is extremely personable and helpful. He was willing to answer any and ...read full review
5.0
5.0 Survey completed on July 8, 2016
Reviewed By seanalkire22 for Ramsey Davies
Completed transaction in July 2016
Ramsey and his team did an awesome job securing my loan and seeing it through. He worked with both realtors to make sure everyone was on the same page. My loan had a few twists and turns, but he navigated them with ease. Thank you!!
5.0
5.0 Survey completed on July 7, 2016
Reviewed By Sean for Ramsey Davies
Completed transaction in July 2016
Ramsey did an excellent job securing the loan and seeing it through. There were many twists and turns associated with my loan and Ramsey was awesome. Patient at the right time and willing to push a little when needed, I always felt comfortable with the process. Thank you!!Ramsey did an excellent job securing the loan and seeing it through. There were many twists and turns associated with my loan and Ramsey was awesome. Patient at the right time and willing to push a little when needed, I always felt comfortable with t ...read full review
5.0
5.0 Survey completed on July 6, 2016
Reviewed By sydneylefevre89 for Ramsey Davies
Completed transaction in July 2016
The entire experience with Ramsey Davies, from start to finish was INCREDIBLE! He not only knew what he was talking about but was able to help guide us towards our best options and make us feel comfortable throughout the entire process! He kept us informed and completely up to date with every step of the process, and was a lot of fun to work with. I cannot imagine going through this process with anyone else. He was simply wonderful and his team was also great to work with and quick to get back to us with anything we needed or questions we had. It was a wonderful experience!The entire experience with Ramsey Davies, from start to finish was INCREDIBLE! He not only knew what he was talking about but was able to help guide us towards our best options and make us feel comfortable throughout the entire process! He kept us in ...read full review
5.0
5.0 Survey completed on June 24, 2016
Reviewed By HillaryShemler for Ramsey Davies
Completed transaction in June 2016
Ramsey was extremely informative. He was patient and understanding with my many questions. He gave multiple scenarios and options and allowed us to choose which option was the best for us. Our full loan was basically done a month before settlement. We were impressed by his entire team. Easy and stress free! Highly recommend!Ramsey was extremely informative. He was patient and understanding with my many questions. He gave multiple scenarios and options and allowed us to choose which option was the best for us. Our full loan was basically done a month before settlement. ...read full review
5.0
5.0 Survey completed on June 21, 2016
Reviewed By user4105127 for Ramsey Davies
Completed transaction in June 2016
Ramsey is very knowledgable, and is always willing to answer a question. We had tons of questions, and his insight made the purchase of our home very easy. We would definitely recommend him to our friends and family, and will use him for financing in the future.Ramsey is very knowledgable, and is always willing to answer a question. We had tons of questions, and his insight made the purchase of our home very easy. We would definitely recommend him to our friends and family, and will use him for financing i ...read full review
5.0
5.0 Survey completed on June 15, 2016
Reviewed By TBrad for Ramsey Davies
Completed transaction in June 2016
Mr Davies is a wealth of knowledge, and provides a level of service that far exceeds other financial professionals I have dealt with. He made the purchase of our home easy!
4.0
4.0 Survey completed on June 13, 2016
Reviewed By christy shaffer1 for Ramsey Davies
Completed transaction in June 2016
I would highly recommend Ramsey Davis for the purchase of a home. He was excellent in responsiveness, was knowledgeable, most helpful and follow through with my mortgage. He followed through with other issues and obstacles for my mortgage even though he did not have to. From the beginning, there were issues from dealing with another company which didn't have the experience, knowledge or maybe interest in my mortgage. Ramsey and Embrace Homes worked on my behalf and supportive through the process. I can't thank Ramsey and Embrace Loans. I will be working with him again on my next home purchase.I would highly recommend Ramsey Davis for the purchase of a home. He was excellent in responsiveness, was knowledgeable, most helpful and follow through with my mortgage. He followed through with other issues and obstacles for my mortgage even thou ...read full review
5.0
5.0 Survey completed on June 10, 2016
Reviewed By kms3292 for Ramsey Davies
Completed transaction in June 2016
There is nothing that I could possibly write or place into words about how great Ramsey was throughout my process of purchasing my first house. Being only 24 years old and having no clue what I was doing, there was never a time that Ramsey could not help me, or explain everything I needed to know. Being new to this whole process, Ramsey made this literally so easy, MUCH easier than I ever imagined it being. Ramsey was super quick to respond, super helpful and honest about everything I ever had questions about. I knew from the get go that this was someone that I could completely trust as he was always very honest about what I could afford and what I could not. Ramsey was there whenever I needed him, he was a text or call away and would respond within seconds. I could not possibly thank Ramsey enough for all his help. I HIGHLY recommend him!There is nothing that I could possibly write or place into words about how great Ramsey was throughout my process of purchasing my first house. Being only 24 years old and having no clue what I was doing, there was never a time that Ramsey could not ...read full review
5.0
5.0 Survey completed on June 9, 2016
Reviewed By kantnockdahustle89 for Ramsey Davies
Completed transaction in June 2016
We had a slightly difficult situation with my mother and wife co-signing on a house with myself as the middle man handling most of the communication. Ramsey worked with all 3 of us to make sure everything was done correctly and on time. We couldn't have asked for a better lender even if we tried. He was patient, responsive and made us feel great about our situation.We had a slightly difficult situation with my mother and wife co-signing on a house with myself as the middle man handling most of the communication. Ramsey worked with all 3 of us to make sure everything was done correctly and on time. We couldn't ...read full review
5.0
5.0 Survey completed on June 8, 2016
Reviewed By zuser20160126122509675 for Ramsey Davies
Completed transaction in June 2016
Ramsey is amazing. We spoke with several lenders and he was by far the most knowledgeable, helpful and professional. He presented us with many options and skillfully explained the pros and cons of each. He was incredibly patient with our questions and concerns. He was readily available and always returned our calls quickly. We absolutely felt that he was personally invested in us and our situation and treated us as he would a close friend. We couldn't be happier with our experience with Ramsey and recommend him with great enthusiasm. He is the best <3Ramsey is amazing. We spoke with several lenders and he was by far the most knowledgeable, helpful and professional. He presented us with many options and skillfully explained the pros and cons of each. He was incredibly patient with our questions a ...read full review
5.0
5.0 Survey completed on June 8, 2016
Reviewed By anindoroy1975 for Ramsey Davies
Completed transaction in June 2016
Fantastic! Very help and knowledgeable to work with. Carefully vets applications but also cares deeply about the applicant(s) and their goals. Couldn't have asked for a better lender to work with.
5.0
5.0 Survey completed on June 3, 2016
Reviewed By Happy as a clam in MD for Ramsey Davies
Completed transaction in June 2016
Ramsey was always available, informative, patient, flexible and pleasant to deal with. He is a true professional.
5.0
5.0 Survey completed on May 22, 2016
Reviewed By tsilcott95 for Ramsey Davies
Completed transaction in May 2016
Ramsey was very helpful with all aspects of the purchasing of my home. His responsiveness to all my questions were incredible. I couldn't of asked for a better loan officer to deal with!
5.0
5.0 Survey completed on May 19, 2016
Reviewed By user0994057 for Ramsey Davies
Completed transaction in May 2016
It was a pleasure working with Ramsey who helped me through every step of refinancing my town house. He was really professional and responsive. There have been occasions where he worked late evenings to get the necessary information and has always been on top of things. Along with his knowledge of market, he was real thorough and helpful and was very patient with dealing with all the parties involved. I highly recommend Ramsey and would love to work with him again.It was a pleasure working with Ramsey who helped me through every step of refinancing my town house. He was really professional and responsive. There have been occasions where he worked late evenings to get the necessary information and has always be ...read full review
5.0
5.0 Survey completed on May 18, 2016
Reviewed By zuser20150408173903350 for Ramsey Davies
Completed transaction in May 2016
As a first home buyer Ramsey took a very stressful process and made it super easy. His quick responsiveness and willingness to go above and beyond to make sure I felt comfortable during the entire process was greatly appreciated. I will definitely be recommending him to family and friends and have no doubt I will work with him again in the future.As a first home buyer Ramsey took a very stressful process and made it super easy. His quick responsiveness and willingness to go above and beyond to make sure I felt comfortable during the entire process was greatly appreciated. I will definitely be ...read full review
5.0
5.0 Survey completed on May 17, 2016
Reviewed By EvelynLee6 for Ramsey Davies
Completed transaction in May 2016
Ramsey was very professional, knowledgable, and following up with all my questions and concerns. Because of his responsiveness I was able to close on my house in 30 days without any problems. I would definitely recommend him to my family and friends.Ramsey was very professional, knowledgable, and following up with all my questions and concerns. Because of his responsiveness I was able to close on my house in 30 days without any problems. I would definitely recommend him to my family and friends ...read full review
5.0
5.0 Survey completed on May 14, 2016
Reviewed By kathiedaniel5 for Ramsey Davies
Completed transaction in May 2016
Through the entire experience Ramsey was extremely helpful and thoughtful. He and his team treated me like family. He took the stress out of the process.
5.0
5.0 Survey completed on May 14, 2016
Reviewed By user4013364 for Ramsey Davies
Completed transaction in May 2016
Simply put, Ramsey is awesome. Easy to work with. Dedicated and honest. He explained the process in easy to understand terms and followed through with whatever he said he would. Bottom line: He delivered.Ramsey demonstrates unprecedented customer service in the mortgage industry. You will not go wrong to choose him as your mortgage professional.Simply put, Ramsey is awesome. Easy to work with. Dedicated and honest. He explained the process in easy to understand terms and followed through with whatever he said he would. Bottom line: He delivered.Ramsey demonstrates unprecedented customer ...read full review
5.0
5.0 Survey completed on May 13, 2016
Reviewed By clhatzes for Ramsey Davies
Completed transaction in May 2016
We approached Ramsey to provide refinance options for our home. In a short amount of time, Ramsey provided several options in regards to refinancing and took the time to explain them all. The process was helped by the website used as well in order to provide a fast turn around time. When the time came to come to a decision, Ramsey took the time to walk through each document, answer direct questions while providing alternatives. He was always available but never pressured us. Once a decision was made, Ramsey communicated with us through out the entire process making our decisions easier. He was very courteous as well. In the end, there were no surprises and the process was just as he described.We approached Ramsey to provide refinance options for our home. In a short amount of time, Ramsey provided several options in regards to refinancing and took the time to explain them all. The process was helped by the website used as well in order to ...read full review
5.0
5.0 Survey completed on May 7, 2016
Reviewed By joereed0695 for Ramsey Davies
Completed transaction in May 2016
Ramsey and his team are the best. Hands down the best at what they do, He would answer my emails, calls, and text messages no matter what time of day it was to answer any of my questions. He helped me through out the entire process and never pushed me into making a decision. He was very understanding and very helpful. I will recommend Ramsey and his team to my family and friends because I know that Ramsey will take care of them and make sure they get the best deal. Thank You Ramsey, I couldn't have bought my house with out you and your team.Ramsey and his team are the best. Hands down the best at what they do, He would answer my emails, calls, and text messages no matter what time of day it was to answer any of my questions. He helped me through out the entire process and never pushed m ...read full review
 
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