Ready to buy your dream home? Start your purchase journey today with competitive rates and expert guidance.
Lower your monthly payments or access your home equity with our refinancing options.
Access calculators, guides, and tools to help you make informed mortgage decisions.
Learn more about our company, explore career opportunities, and discover our impact on the mortgage industry.
10 Plays to Buy & Sell In a Competitive Market
5 Plays to Re-Engage Your Database & Stand Out
Proudly serving clients across VA, DC, DE, FL, MD, NC, PA
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
My family has worked with Ramsey on several occasions in 3 different homes. He and the Embrace team have been incredibly helpful and communicate very well. I would recommend them to anyone needing a new mortgage or refi product! Andrew Annapolis, MD February 24 Rating: 5.0 out of 5.0 from Zillow
My family has worked with Ramsey on several occasions in 3 different homes. He and the Embrace team have been incredibly helpful and communicate very well. I would recommend them to anyone needing a new mortgage or refi product!
Very professional Michael HANOVER, PA February 07 Rating: 5.0 out of 5.0 from Encompass
Very professional
I highly recommend Mr. Ramsey Davies toTrulia, because I found him to be outstanding in his area of expertise. He demonstrated patience in his assisting and reassuring me during the entire house buying process. "At the end of the day, It was professionalism that made my house buying experience an excellent one. Mr. Ramsey kept me inf... Fbemee Odenton, MD January 16 Rating: 5.0 out of 5.0 from Zillow
I highly recommend Mr. Ramsey Davies toTrulia, because I found him to be outstanding in his area of expertise. He demonstrated patience in his assisting and reassuring me during the entire house buying process. "At the end of the day, It was professionalism that made my house buying experience an excellent one. Mr. Ramsey kept me inf...
I would highly recommend using Ramsey Davies for your mortgage lending needs. Ramsey recently just helped my wife and I obtain a mortgage for our first home purchase. His expertise in the mortgage lending business is extremely impressive. Could this along with his excellent customer service made our first time home buying experience such a pleasure... Aly Warren Media, PA January 16 Rating: 5.0 out of 5.0 from Zillow
I would highly recommend using Ramsey Davies for your mortgage lending needs. Ramsey recently just helped my wife and I obtain a mortgage for our first home purchase. His expertise in the mortgage lending business is extremely impressive. Could this along with his excellent customer service made our first time home buying experience such a pleasure...
Ramsey dealt with our complicated loan process in a very efficient manner. He made sure that we got the best loan possible for our situation and informed us about the steps we needed to take.He also made sure to keep us informed along the different steps and was reactive when we had questions.We're now home :) Maheenf Glen Burnie, MD January 16 Rating: 5.0 out of 5.0 from Zillow
Ramsey dealt with our complicated loan process in a very efficient manner. He made sure that we got the best loan possible for our situation and informed us about the steps we needed to take.He also made sure to keep us informed along the different steps and was reactive when we had questions.We're now home :)