Why should I choose Embrace Home Loans?

As one of the nation's most trusted lenders, we've pioneered ways to unlock the equity in your home so when you need a better mortgage rate through a refinancing, a way to consolidate your high interest debt, or a loan to buy your first home, we can help.

As a direct lender, we can provide any number of ways to help you solve your problems, lose the worry, and get on with your life. Just as importantly, we do it quickly and efficiently, and aim to exceed your expectations. We make getting your mortgage pleasant and stress free.

See for yourself: check out what other customers say about us

I was looking for Advanced Financial Services. Who is Embrace Home Loans?

Advanced Financial Services is now Embrace Home Loans. More than a new name, it's our way of reaching out to say "thank you" to the customers we've served for over 26 years. When we began AFS in 1983, what mattered most to us were our values and the way we engaged the people we served. Thankfully, a lot of people like you embraced our little company, and helped us prosper. And with that we have named the company Embrace Home Loans. For more on how and why we chose our name take a look at our company history.

How long does the mortgage process take?

That depends on a lot of factors. Because we take care of your mortgage from start to finish ourselves, we can do it in as little as 21 days. Contact us to find out how quickly we can get you a new mortgage!

My credit and payment histories are less than perfect. Can Embrace Home Loans help me?

Definitely! Embrace Home Loans is dedicated to taking the fear out of buying or refinancing a home so that you and your family can look forward to a brighter financial future. Unlike most mortgage lenders, we don't treat you like a credit score or a Social Security number. We treat you as a real, live human being with hopes and dreams. You work with one-just one-of our highly-trained, friendly Mortgage Specialists throughout the entire process. From start to finish, you've got a supporter, advocate, and problem-solver that can help you find a solution for your financial needs. And we can help you put your problems behind you in as few as 21 days. Give us a call.

How does the Embrace Home Loans mortgage and refinancing process work?

As painless, efficiently, and stress free as possible! It all starts when you contact us, by phone, email, or by filling out our online contact form. We'll introduce you to your Embrace Home Loans Mortgage Specialist, who will work with you throughout the entire process. That's right-we'll come up with different solutions to help you. And we can do it in as little as 21 days! Our goal is to do what's right for you, not what's easiest for us.

Embrace Home Loans is a direct lender. What does that mean?

No middle man. As direct lender for Fannie Mae, Freddie Mac, and an approved issuer for Ginnie Mae, we underwrite our loans in accordance with government guidelines. We are not a broker or a lead reseller. We work directly with you, the consumer, through the entire mortgage or loan transaction, from originating it, to processing it, to approving it, to funding it. We're not intermediaries or middlemen, so we won't take your call and then pass your application off to someone else. From start to finish, Embrace Home Loans works directly with you. We think there are a lot of benefits to this, like:

• Getting to know you so we can provide you with a truly personalized mortgage-and impeccable service-to fit your needs
• Offering better interest rates and terms
• Providing real-time information, so you can stay up-to-the-minute on the loan process

About Embrace Home Loans

We're a direct lender for Fannie Mae, Freddie Mac, and an approved Ginnie Mae issuer for FHA insured mortgages. With Embrace Home Loans, you can get the loan you need. As a direct lender, you deal with us, and only us. We'll lend you the money you need, whether it's for a new home, a home renovation, a college education, or to get ahead on your high-interest debt. And we can do it in as little as 21 days. Don't put off your brighter tomorrow. Fill out our quick, no-obligation, and confidential form. Or call 1-800-620-6292.