Contact David Ratti
Embrace Home Loans, Inc. NMLS ID # 2184 is licensed in AL, AZ (Lic.#BK-0906375), AR, CA Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, CO (Lic.#096162) Regulated by the Division of Real Estate, CT, Licensed by the Delaware State Bank Commissioner to engage in business in Delaware (Lic.#7317, Exp.12/31/2017), DC, FL, GA (Lic.#12848), ID, Illinois Residential Mortgage Licensee, IN, IA, KS, Supervised Lender Licensee (#SL0000625), KY, LA, ME, MD, MA Mortgage Lender & Mortgage Broker (Lic.#MC2184), MI, MN, Mississippi Licensed Mortgage Company, MO, NE, Licensed by the New Hampshire Banking Department, Licensed by the New Jersey Department of Banking and Insurance, NM, NY Licensed Mortgage Banker - NYS Department of Financial Services, NC, ND, OH, OK, OR (Lic.#ML322), PA, Rhode Island Licensed Mortgage Lender and Mortgage Broker, SC, SD, TN, TX, UT, VA, WA, WV, WI. (http://www.nmlsconsumeraccess.org) Equal Housing Lender
About David Ratti
David Ratti is the Branch Manager of our Annapolis, Maryland retail office and has 30 years of experience in the mortgage industry. David joined Embrace in 2010 when he successfully opened our Timonium Office. He then took over responsibility of our Annapolis team and also oversees our Salisbury, Maryland and La Plata, Maryland sales offices. Over his time in the industry David has performed every function within the mortgage process including; Closing Officer, Post Closing, Processor, Processing Supervisor, Underwriting, Loan Officer, Branch Manager, and Builder Services Manager. David has received multiple recognitions and rewards over the years for his good service including, Chairman’s Club, President’s Club, Customer Service Star Awards, Million Dollar Club, Manager of the Year, Executive of the Year, Top Producer Awards, and Top Branch Awards. David was born in Toms River, New Jersey, where much of his extended family still resides. He moved to the Baltimore-Washington area at a young age where he attended Magruder High School in Derwood, MD and then Towson University. He and his wife, Suzanne, live in the Annapolis area where they enjoy all the splendors the Chesapeake Bay offers. He’s also an avid sports fan, cheering on his home teams, the Baltimore Ravens, US Naval Academy, and the Baltimore Orioles.