Are you ready for a fresh start?

If you received an offer in the mail from us, we've identified you as someone who may benefit from a homeowner refinance loan.

Since 1983, Embrace Home Loans has helped hundreds of thousands of people refinance their homes. There are several good reasons to refinance a mortgage. With a rate and term loan, you could reduce your monthly payments and improve your cash flow, all without touching your equity. And you may be able to pay down your principal sooner, too. With a cash-out refinance, you use the equity in your home to get cash for other expenses. You might want to consolidation all your high-interest bills into one small monthly payment. Or you can use the cash to pay for home improvements, college tuition, or a long overdue vacation. The choice is yours.

It may sound complicated, but refinancing is an easy process if you have the right help. When you refinance your mortgage with Embrace, a dedicated mortgage specialist will help you choose the loan that best fits your needs and situation. Next, they’ll walk you through three simple steps: apply, get approved, close. Our process can be that simple, and there’s never an application fee.

Get Cash Out

With a cash-out refinance, you use the equity you’ve built up in your home to get cash for other expenses. Tapping into your home’s equity is an ideal way to get extra money, and the beauty of a cash-out refi is you can use the cash for anything you choose. Learn more about our cash-out refinance

Bill Consolidation

A debt consolidation refinance lets you roll your credit cards, car loans, medical bills, and other debt into one convenient monthly payment. And mortgages typically offer much lower interest rates than other loans, so this could result in lower monthly payments. Learn more about our debt consolidation refinance

Lower Payments

If you qualify to refinance into a loan with a lower rate or better terms, you may be able to reduce your payments and/or pay down your principle faster. You may even save hundreds of dollars each month and thousands over the life of your loan. Learn more about our rate-and-term refinance

203(k) Reno and Rehab

If you’re looking to upgrade your current living space, Embrace offers various Ready for Renovation options. Depending on the loan you choose, improvements can range from minor repairs to extensive remodels. You can pay for these upgrades at today’s low interest rates and refinance your mortgage at the same time. Learn more about our Ready for Renovation loans

Let’s look at the numbers

Use our calculator to see how much you could save with a rate and term or a cash-out refinance.

A mortgage review makes sense with today's rates

Embrace is pleased to offer you a complimentary mortgage review. One of our loan specialists will take a close look at your current mortgage to see if it's still the best financing option for your needs and goals.

As part of your mortgage review, you'll find out if you can: