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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 Ramsey stayed in contact throughout the transaction ThomasSparks Glencoe, MD Jul 23
Ramsey stayed in contact throughout the transaction
Rating: 5.0 out of 5.0 from Encompass Ramsey was always supportive, honest and attentive to our needs. Kathie MolnarSparks Glencoe, MD Jul 23
Ramsey was always supportive, honest and attentive to our needs.
Rating: 5.0 out of 5.0 from Encompass Ramsey Davies was 100% helpful. Always service minded, he was patently determined to make sure we understood each part of the convoluted loan process. My wife had Ramsey's help 10 years previous, and if we need another loan 10 years from now, we will certainly seek him out again. Thank you, Ramsey! MichaelSparks Glencoe, MD Jul 23
Ramsey Davies was 100% helpful. Always service minded, he was patently determined to make sure we understood each part of the convoluted loan process. My wife had Ramsey's help 10 years previous, and if we need another loan 10 years from now, we will certainly seek him out again. Thank you, Ramsey!
Rating: 5.0 out of 5.0 from Encompass 20 years of closing deals with Ramsey! Honest, straight shooter, problem solver, detail oriented and responsive..... The GOAT of lending! ChristopherWilmington, DE Jul 14
20 years of closing deals with Ramsey! Honest, straight shooter, problem solver, detail oriented and responsive..... The GOAT of lending!
Rating: 5.0 out of 5.0 from Encompass Ramsey is the best mortgate guy in the business, hands down. Would NEVER work with anyone else. JasonAvalon, NJ Jul 12
Ramsey is the best mortgate guy in the business, hands down. Would NEVER work with anyone else.
Rating: 5.0 out of 5.0 from Zillow I HIGHLY recommend using Ramsey. He's always quick to respond and always has a solution. As a first time homebuyer he has been a huge help and calming presence!! It can be really confusing and stressful but Ramsey is really easy to communicate with even for years after closing. AlisonBaltimore, MD Jul 10
I HIGHLY recommend using Ramsey. He's always quick to respond and always has a solution. As a first time homebuyer he has been a huge help and calming presence!! It can be really confusing and stressful but Ramsey is really easy to communicate with even for years after closing.
Rating: 5.0 out of 5.0 from Encompass Being a resource for my father AlokColumbia, MD Jun 13
Being a resource for my father
Rating: 5.0 out of 5.0 from Encompass Ramsey provided excellent communication throughout the entire process. He worked very quickly, kept me informed every step of the way, and made the loan process smooth and stress-free. I truly appreciated his responsiveness, professionalism, and dedication to getting everything done on time. Highly recommend! NoemiHERNDON, VA Jun 12
Ramsey provided excellent communication throughout the entire process. He worked very quickly, kept me informed every step of the way, and made the loan process smooth and stress-free. I truly appreciated his responsiveness, professionalism, and dedication to getting everything done on time. Highly recommend!
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 29
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...