4.92 (619 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)
SAMANTHA S. from Spanish Fort, AL
Completed transaction in May 30, 2026
Fantastic experience! My buyees closed quckly and seamlessly. it's always great to work with Joey!
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5 (5 stars)
Kelly Patrick .
Completed transaction in May 23, 2026
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5 (5 stars)
KELLY P. from Saraland, AL
Completed transaction in May 23, 2026
Joey went the extra mile for my buyer that had a difficult situation. He truly cares about the people .
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4 (4 stars)
Evelyn W. from Irvington, AL
Completed transaction in May 04, 2026
I didn't like that so many emails were sent multiple times. I think that a phone call or at least a text would have been better. There is a lot to buying a house and I just didn't like the multiple emails asking for the same documents to be signed.
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5 (5 stars)
Shameka H. from Theodore, AL
Completed transaction in April 19, 2026
Joey is wonderful to work with. He's was very helpful every step of the way and he's very responsive. Thank you, Joey!
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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.
