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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.
Rating: 5.0 out of 5.0 from Encompass Working with my Ramsey was truly an amazing experience from start to finish. He made what could have been a stressful and overwhelming process feel smooth, easy, and manageable every step of the way. What I appreciated most was how relatable and approachable he was. He took the time to explain everything clearly, answered all of my questions, and ... DianaODENTON, MD May 19
Working with my Ramsey was truly an amazing experience from start to finish. He made what could have been a stressful and overwhelming process feel smooth, easy, and manageable every step of the way. What I appreciated most was how relatable and approachable he was. He took the time to explain everything clearly, answered all of my questions, and ...
Rating: 5.0 out of 5.0 from Encompass Excellent advice and friendly help...also super quick replies. Florence DianeSEVERNA PARK, MD May 14
Excellent advice and friendly help...also super quick replies.
Rating: 5.0 out of 5.0 from Zillow Ramsey was outstanding to work with, and was on the ball with getting us a great rate. He was pleasure to work with through the entire process, and proactive in every step. I will absolutely recommend him to all of my friends and family! BrettromeDerwood, MD Apr 30
Ramsey was outstanding to work with, and was on the ball with getting us a great rate. He was pleasure to work with through the entire process, and proactive in every step. I will absolutely recommend him to all of my friends and family!
Rating: 5.0 out of 5.0 from Zillow He is wonderful! He is easy to get a hold of, and he explained everything to us so well. I would gladly recommend him to my friends and family. He is very knowledgeable and looked at a variety of options to help save us money. Amelv001Myersville, MD Apr 30
He is wonderful! He is easy to get a hold of, and he explained everything to us so well. I would gladly recommend him to my friends and family. He is very knowledgeable and looked at a variety of options to help save us money.
Rating: 5.0 out of 5.0 from Zillow Ramsey Davies was recommended to us by another couple of first time homebuyers who are our close friends. As our close friends recommended, we went with their advice and did not regret this decision once throughout the home buying process. Even though, our relator wanted us to use his own personal loan officer, Ramsey and his company fought for our... Brianmount1Nottingham, PA Apr 30
Ramsey Davies was recommended to us by another couple of first time homebuyers who are our close friends. As our close friends recommended, we went with their advice and did not regret this decision once throughout the home buying process. Even though, our relator wanted us to use his own personal loan officer, Ramsey and his company fought for our...
Rating: 5.0 out of 5.0 from facebook Ramsey and his team were very responsive and extremely helpful in navigating the loan process from start to finish. Susan Rogers Coakley Apr 28
Ramsey and his team were very responsive and extremely helpful in navigating the loan process from start to finish.
Rating: 5.0 out of 5.0 from Encompass Ramsey is the best of the BEST. This is the 4th mortgage loan we have done with him and there is no one, and I mean NO ONE, I would trust with a mortgage other than Ramsey. He is knowledgeable, attentive, and a market expert. He saved us hundreds of dollars a month with our recent refinance, and got the deal done quickly (as usual). We are customer... ElizabethELDERSBURG, MD Mar 25
Ramsey is the best of the BEST. This is the 4th mortgage loan we have done with him and there is no one, and I mean NO ONE, I would trust with a mortgage other than Ramsey. He is knowledgeable, attentive, and a market expert. He saved us hundreds of dollars a month with our recent refinance, and got the deal done quickly (as usual). We are customer...
Rating: 5.0 out of 5.0 from Encompass Ramsey is veyhelpful and extremely knowledgeable Justin M.ELDERSBURG, MD Mar 25
Ramsey is veyhelpful and extremely knowledgeable
Rating: 5.0 out of 5.0 from Encompass No hidden agendas, just awesome customer service, communication, and planning to get the best possible outcome for our needs! 10/10 Alexander PSILVER SPRING, MD Mar 23
No hidden agendas, just awesome customer service, communication, and planning to get the best possible outcome for our needs! 10/10
Rating: 5.0 out of 5.0 from Encompass Ramsey, Christine and Elizabeth were fantastic to work with. They made what is an overwhelming amount of paperwork and documentation feel straightforward and easy. I appreciate how detail oriented and responsive they are, and it was clear they really care and take pride in their work. When we had some challenges locating docume... TinaLake Ariel, PA Mar 16
Ramsey, Christine and Elizabeth were fantastic to work with. They made what is an overwhelming amount of paperwork and documentation feel straightforward and easy. I appreciate how detail oriented and responsive they are, and it was clear they really care and take pride in their work. When we had some challenges locating docume...
Rating: 5.0 out of 5.0 from Encompass Ramsey was fantastic to work with throughout our mortgage process. He was responsive, knowledgeable, and consistently went above and beyond to make sure everything moved smoothly. He took the time to explain details clearly, answered every question we had, and made what can be a stressful process feel straightforward and manageable. We truly apprec... JoshuaLake Ariel, PA Mar 16
Ramsey was fantastic to work with throughout our mortgage process. He was responsive, knowledgeable, and consistently went above and beyond to make sure everything moved smoothly. He took the time to explain details clearly, answered every question we had, and made what can be a stressful process feel straightforward and manageable. We truly apprec...
Rating: 5.0 out of 5.0 from Encompass Excellent service and care! Raimunda PassosSILVER SPRING, MD Mar 15
Excellent service and care!
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! AndrewAnnapolis, MD Feb 24
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!
Rating: 5.0 out of 5.0 from Zillow Hands down, there is NO one better in the business of mortgage lending and refinancing than Ramsey Davies! Do not waste your time with the stiff suits at the brick and mortar big banks, or on-line mortgage shopping (it’s not that easy) and just call the one and only Mortgage Don, Ramsey Davies! Ramsey makes the difficult, pain staking loan proc... Christopher Feb 07
Hands down, there is NO one better in the business of mortgage lending and refinancing than Ramsey Davies! Do not waste your time with the stiff suits at the brick and mortar big banks, or on-line mortgage shopping (it’s not that easy) and just call the one and only Mortgage Don, Ramsey Davies! Ramsey makes the difficult, pain staking loan proc...
Rating: 5.0 out of 5.0 from Encompass Very professional MichaelHANOVER, PA Feb 07
Very professional
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... FbemeeOdenton, MD Jan 16
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...
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... Aly WarrenMedia, PA Jan 16
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...
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 :) MaheenfGlen Burnie, MD Jan 16
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 :)
Rating: 5.0 out of 5.0 from Zillow Ramsey is an exceptional mortgage broker - my wife and I wish that all mortgage brokers are like him. We never believed it was possible to place the need of a borrower above others in the home buying/refinancing process, but Ramsey made us a believer! He selflessly appraised and patiently communicated all available loan options for our home refinan... Silasd56Baltimore, MD Jan 16
Ramsey is an exceptional mortgage broker - my wife and I wish that all mortgage brokers are like him. We never believed it was possible to place the need of a borrower above others in the home buying/refinancing process, but Ramsey made us a believer! He selflessly appraised and patiently communicated all available loan options for our home refinan...
Rating: 5.0 out of 5.0 from Zillow Ramsey helped us refinance our home. Rates were low for one day and with Ramsey's help, we were able to lock in the great rate right away so we didn't miss out. He was very responsive and helped us close quickly. He was also great at explaining the mortgage refi process when I needed some extra assurance. I would definitely recommend Ramsey for mor... User4073943 Jan 16
Ramsey helped us refinance our home. Rates were low for one day and with Ramsey's help, we were able to lock in the great rate right away so we didn't miss out. He was very responsive and helped us close quickly. He was also great at explaining the mortgage refi process when I needed some extra assurance. I would definitely recommend Ramsey for mor...
Rating: 5.0 out of 5.0 from Zillow Ramsey was a pleasure to work with. He was extremely responsive and patient when working with our re-finance. He made it his personal business that we got the best possible loan for our needs and explained everything along the way. Ramsey was efficient and made us feel heard when we expressed our concerns or had questions. Highly recommend!! Zuser20140622132710774 Jan 16
Ramsey was a pleasure to work with. He was extremely responsive and patient when working with our re-finance. He made it his personal business that we got the best possible loan for our needs and explained everything along the way. Ramsey was efficient and made us feel heard when we expressed our concerns or had questions. Highly recommend!!
Rating: 5.0 out of 5.0 from Zillow Ramsey helped me purchase my first home in August 2013 and he most recently helped my refinance in February 2015. He is extremely knowledgeable about the entire loan process and was able to handle any questions I had. I would highly recommend Ramsey to anyone looking to purchase or refinance. At the very least you owe it to yourself to 'shop' with ... David Jan 16
Ramsey helped me purchase my first home in August 2013 and he most recently helped my refinance in February 2015. He is extremely knowledgeable about the entire loan process and was able to handle any questions I had. I would highly recommend Ramsey to anyone looking to purchase or refinance. At the very least you owe it to yourself to 'shop' with ...
Rating: 5.0 out of 5.0 from Zillow Ramsey was instumental in getting us the right mortgage and related products for our new home purchase. Very knowledgable, very patient, very accessible, very detailed througout the process. When it came down to crunch time, he dug in and got done what needed to get done. He came through for us. Highly recommend his services to others! User1050761 Jan 16
Ramsey was instumental in getting us the right mortgage and related products for our new home purchase. Very knowledgable, very patient, very accessible, very detailed througout the process. When it came down to crunch time, he dug in and got done what needed to get done. He came through for us. Highly recommend his services to others!
Rating: 5.0 out of 5.0 from Zillow Ramsey helped us purchase our home in Dec 2014. From the beginning we knew we'd made the right decision going with him. The whole experience was made a lot less stressful having him on our team. He explained everything step by step and made sure we understood the entire process before letting us go forward with anything. He was available for every ... User6968410 Jan 16
Ramsey helped us purchase our home in Dec 2014. From the beginning we knew we'd made the right decision going with him. The whole experience was made a lot less stressful having him on our team. He explained everything step by step and made sure we understood the entire process before letting us go forward with anything. He was available for every ...