4.92 (640 Reviews)
About Joey
Our Mobile, AL team is very knowledgeable & experienced. We all specialize in first-time home buyer programs as well many other “outside the box” clients and deals.
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https://www.embracehomeloans.com/location/alabama/mobile/joey-reid
Joey Reid
Branch Manager NMLS# 197798
Joey Reid is a trusted mortgage professional in Mobile, AL 36695
2025-2018, 2016
See what other homeowners have to say about me
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5 (5 stars)
Erika Owen .
Completed transaction in July 29, 2026
Joey with Embrace Home Loans was absolutely incredible throughout our home-buying journey. As first-time homebuyers, the process felt overwhelming at times, but Joey was kind, patient, knowledgeable, and always took the time to answer every question we had. He made us feel informed and supported from beginning to end. What impressed us most was how hard he worked on our behalf. Joey truly went above and beyond to help us get the best outcome possible and worked tirelessly to keep the amount we needed to bring to closing as low as he could. He exceeded our expectations, and we are so grateful for everything he did for us. It was clear that Joey genuinely cared about helping us, not just closing a loan. His dedication, professionalism, and compassion made all the difference, and we couldn’t have asked for a better lender. We highly recommend Joey and Embrace Home Loans to anyone looking for someone who will truly go the extra mile for their clients.
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5 (5 stars)
Erika O. from Mobile, AL
Completed transaction in July 29, 2026
Joey with Embrace Home Loans was absolutely incredible throughout our home-buying journey. As first-time homebuyers, the process felt overwhelming at times, but Joey was kind, patient, knowledgeable, and always took the time to answer every question we had. He made us feel informed and supported from beginning to end. What impressed us most was how hard he worked on our behalf. Joey truly went above and beyond to help us get the best outcome possible and worked tirelessly to keep the amount we needed to bring to closing as low as he could. He exceeded our expectations, and we are so grateful for everything he did for us. It was clear that Joey genuinely cared about helping us, not just closing a loan. His dedication, professionalism, and compassion made all the difference, and we couldn’t have asked for a better lender. We highly recommend Joey and Embrace Home Loans to anyone looking for someone who will truly go the extra mile for their clients.
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5 (5 stars)
Monica H. from Mobile, AL
Completed transaction in July 29, 2026
The communication
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5 (5 stars)
Ashleigh Linn .
Completed transaction in July 28, 2026
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5 (5 stars)
Ashleigh L. from Mobile, AL
Completed transaction in July 28, 2026
Joey was consistent with communication and took such great care of our client! 10/10 was a smooth and amazing experience.
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Frequently asked questions
Yes. Joey Reid can help you explore low and no down payment options, including FHA, VA, USDA, and exclusive Embrace programs. You may also qualify for local or state assistance depending on your income and location.
Getting pre-approved is simple. You can apply online, schedule a call, or meet with Joey Reid at our Mobile branch. We’ll review your income, credit, and homebuying goals, then issue a personalized pre-approval letter. Many buyers choose Embrace’s exclusive Approved to Move program, which goes beyond standard pre-approval by fully underwriting your loan upfront.
Embrace Home Loans is a trusted mortgage lender serving Mobile and nearby communities. Our local loan officers offer personalized guidance, competitive rates, and exclusive loan programs designed to support homebuyers from pre-approval through closing. Whether you're a first-time buyer or refinancing, Joey Reid is here to help you reach your goals.
Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Joey Reid will help you compare fixed vs. adjustable rates, down payment requirements, and loan terms and guide you toward the best fit for your situation, whether you're buying your first home or your fifth.
The best mortgage depends on your credit, income, and long-term financial plans. Government-backed loans often offer flexible guidelines, while conventional loans may offer lower rates and reduced fees. Joey Reid will walk you through your options and help you find the right fit.
