Your mortgage options for a smooth journey home.

Get expert guidance and personalized solutions for a stress-free mortgage experience. Get a quote today.

  No commitment
  Fast and secure
  Risk free
kids running

5 stars

Customer dedication

Since 1983, we've been helping people find the right home loan for their unique needs and goals.

We're honored to be a recipient of MBA's 2022 Diversity, Equity, and Inclusion (DEI) Leadership Award.
Thousands of first-time homebuyers
closed with us last year.

First-time buyers feel right at home.

The prospect of becoming a homeowner for the first time is exciting, but it can also be overwhelming. That’s why we’re here. We’ll guide you every step of the way.

Get Started

Strong Certified Offer House - Good for 90 days

Win the house — even in a bidding war!

Recently, low inventory has been making the housing market supercompetitive. So to help you win the house — even in a bidding war — we’ve introduced our Property Value Certificate and Approved to Close Backup Cash Guarantee.


  • Your offer will exceed even cash offers

  • You can choose to waive the financing and appraisal contingencies

  • The seller has a backup cash guarantee*

Learn more

What our clients say

Brian and Jen are one of the best mortgage professionals I have ever worked with. I have had 7+ mortgages in my life and this has been the quickest and the easiest transaction I have ever experienced. I cannot recommend Brian and Jen enough for any mortgage needs.
Second-Time Buyer
I don't know where to begin, this had to be the most seamless process I have ever experienced. Gregg and his team were excellent! They truly made the impossible possible and were in constant communication with me throughout. Not only was Gregg very personable, but also very knowledgeable and provided great advice. I am thoroughly impressed with Gregg and the company.
First-Time Homebuyer
We were first-time homebuyers and Austin answered all our questions with great detail that made us feel informed throughout the process enough to make smart decisions. He anticipated many questions we were going to ask or hadn't even thought to ask. Great experience. Very responsive!
Second-Time Buyer
This was our second time working with Mike to finance our home, and he is an excellent resource to have on hand when going through the home buying process. He was even able to get us a letter waiving the appraisal contingency, which helped us win a bidding war and get our forever home. Thank you Mike!
Barry and his team were amazing. I was not familiar with the VA loan process, but Barry ensured that I was educated and fully understood what was going on. He kept me fully updated from start to closing and I definitely appreciate him. I will definitely recommend him and his team to my veteran family and friends!!
Excellent mortgage company! Trustworthy! Professional! The staff are excellent! They are all very patient individuals, knowledgeable, honest, and caring.
Unconventional Buyer
I had a great experience with Meredith. Being denied loan from one of the lender, I was anxious and afraid that I could not close on my dream house because of my difficult situation. I was lucky enough to be referred to Meredith. From day one, she assured me that she will try her best for the loan and within three weeks time, she closed the loan. I can keep on writing about my wonderful experience with Meredith, but in a nutshell, she is the best and most trustworthy person to reach out to, if anyone is looking for home loans. Thank you Meredith. Truly appreciate it.

Frequently asked questions

At Embrace, we realize that every homebuyer is different — so we offer lots of different types of home loans. We’ll help you find the mortgage that fits your individual needs and goals. And whether it’s your first home loan or your sixth, we can guide you through every step of the process from application to closing.

Our loans are as individual as the people they serve
Approved to Move™

In today’s competitive housing market, it’s easy (and totally disappointing) to lose your dream home to another homebuyer. So, we came up with a solution — Approved to Move™. Unlike a typical pre-approval, Approved to Move™ is fully underwritten and verifies your information before you start house hunting. Sellers love Approved to Move™ because it’s virtually as good as a cash offer and all but guarantees a quick closing.

Conventional loan

Many homebuyers prefer Conventional mortgages because they offer more flexibility and the costs accompanying the loan are often less expensive. Two more reasons people love this type of mortgage is because it doesn’t always require mortgage insurance and it allows the borrower to purchase a more expensive home. If you have a solid credit score of 640 or above, a Conventional mortgage is a great option.

FHA loan

Because FHA loans are backed by the government, they’re one the easiest mortgages to qualify for. Down payments are as low as 3.5% and the entire down payment and closing costs can sometimes be covered with gift funds. Most types of homes qualify, including single-family, condos, multi-unit properties, and manufactured homes.

Jumbo loan

A Jumbo loan is used to finance a property that’s too expensive for a Conventional loan. Most Jumbo loans tend to be complicated and restrictive, so we created our own. Our Jumbo mortgages are simpler and usually easier to qualify for. We offer as little as 10% and 20% down for loans up to $1.5M and $2.5M respectively, and we have options for borrowers with credit scores below 740.

USDA loan

If you live in an area designated as rural by the U.S. Department of Agriculture (USDA), a zero-down USDA loan may be an ideal choice. You’ll enjoy a below-market mortgage rate, and you won’t be required to provide a down payment or pay private mortgage insurance. And it may surprise you, but many suburban neighborhoods qualify as rural.

VA loan

VA loans allow veterans to buy a home with little or no down payment and are easier to qualify for than other mortgages. Because VA loans are guaranteed by the Federal Government through the US Department of Veterans Affairs (VA), they are viewed as safer mortgages and have better interest rates than traditional loan programs.

ready for renovation
Home Improvement

Whether you’re buying a fixer-upper or your current home needs some TLC, Embrace has home improvement loans that can help you get the job done. We offer FHA Full 203(k), FHA Limited 203(k), and Fannie Mae’s HomeStyle renovation loans.

The FHA Full 203(k) mortgage lets you borrow up to 110% of the after-improved value to pay for an assortment of projects designed to remodel and repair single-family properties.

An FHA Limited 203(k) mortgage lets you borrow up to $50,000 in additional financing to help pay for projects designed to remodel and repair single-family properties.

With a Fannie Mae HomeStyle renovation loan, you can get funds for a wide range of renovation projects, from repairs and energy updates to landscaping and luxury upgrades.

When you refinance, you replace your current mortgage with a new and improved one. Refinancing to a lower interest rate can provide many financial benefits, such as a lower mortgage payment and better loan terms. Although it may sound complicated, refinancing is easy if you have the right lender.

Refinance and get the cash you need
Rate and term refinance

If you qualify for our rate and term refinance, you may be able to enjoy a lower interest rate or better loan term. This could help you reduce your monthly mortgage payment and/or pay down your principle faster. Believe it or not, you may be able to save hundreds of dollars each month and thousands over the life of your loan.

Cash-out refinance

A cash-out refinance lets you use home equity to get cash for other expenses. You can pay for renovations, college, or the vacation you’ve always dreamed of. The beauty of a cash-out refinance is you can use the money for anything you choose.

Debt consolidation refinance

With a debt consolidation refinance, you can roll your credit cards, auto and student loans, medical bills, and other debt into one convenient monthly mortgage payment. And because home loans usually have much lower interest rates than other loans, your monthly mortgage payment could be lower as well.

Higher LTV refinance

Good news — you may be able to refinance even if you owe more than 97% of your home’s value. Loan-to-value (LTV) is the measure of how much of your home loan has been paid off. With a higher LTV refinance, you may be able to lower your monthly payment, switch from an adjustable-rate mortgage to a fixed-rate mortgage, or get shorter terms and build home equity faster.

Right now, we offer two high LTV refinance loans: The Fannie Mae High Loan-To-Value Refinance Option (HIRO) and the Freddie Mac Enhanced Relief Refinance (FMERR). We can help you determine if either of these refinance mortgages are right for you.

VA refinance

When you refinance with a VA loan, you can lower your monthly mortgage payment, merge a Conventional loan with a VA-backed loan, or get cash for renovations. We have two VA loan options and would be happy to let you know if you’re eligible.

At Embrace, we want to make buying a home possible for everyone. We’re excited to offer affordable housing programs designed specifically for low-income borrowers.

We know it’s not easy to save for a down payment. With these programs, you can put down as little as 3% of the purchase price, and the cash can come from various sources, including gifts, grants, down payment assistance programs, even sweat equity. And your credit can be as low as 620. Fannie Mae’s HomeReady® and Freddie Mac’s Home Possible® are two great loan options to help you become a homeowner.

We know, there’s a lot to take in. Here are answers to our FAQs.

Because mortgage terminology isn’t exactly everyday language, we put together a glossary where you can easily look things up.

Use our mortgage calculators to figure out how much house you can afford or what a refinance can do for you. You can see what your monthly payment will look like or learn if you’re better off renting or buying.

Our mobile app gives you loan updates 24/7.

Get the lowdown on interest rates.

We want you to feel welcome — and like you belong. When you join Embrace, you’re part of the family. What kind of mortgage company would we be if you didn’t feel at home?

This is a place to grow. Here, you can be curious, courageous, and push yourself to do anything. We invest in each and every employee, giving you all the support you need to succeed. There is enormous possibility in all of us, and we would love to help you thrive in your work.

We’re ready when you are. Explore our openings and start the conversation today.

Current Openings

Get expert mortgage tips on our blog!

6 Tips to Build Your Real Estate Referral Network

6 Tips to Build Your Real Estate Referral Network

Referrals are the lifeblood of a successful real estate business. No mat...

Solar Panels and Heat Pumps - How to Market Green and Energy-Efficient Homes

Solar Panels and Heat Pumps – How to Market Green and E...

Today’s homebuyers are looking for more than just a nice house; th...

Mortgage Weekly Update

Mortgage Rates Continue Down, Applications Move Up

On Thursday, December 7, 2023, Freddie Mac released the results of ...

Pros and Cons of Biweekly Mortgage Payments vs. Monthly

Pros and Cons of Biweekly Mortgage Payments vs. Monthly...

Paying your mortgage biweekly — half your payment every two weeks, to be...

How Much Mortgage Can You Afford If You’re Self-Employed in 2023

How Much Mortgage Can You Afford If You’re Self-Employe...

Estimating how much of a mortgage you might qualify for is a relatively ...

Liquid Assets vs. Fixed Assets: Understand the Differences

Liquid Assets vs. Fixed Assets: Understand the Differen...

Having assets can help you qualify for a mortgage loan and maybe even be...

Ready to make your
next move?
  No commitment
  Fast and secure
  Risk free