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Our mission is simple:

to create the perfect
home loan just for you.

About Embrace Home Loans

At Embrace, we do one thing and one thing only — home loans. And when you focus on only one thing, you can do it exceptionally well. If you’re looking to purchase a new home, refinance an existing mortgage, or consolidate high-interest debt, you’ve come to the right place. As one of the nation’s top full-service mortgage lenders, we’ve helped hundreds of thousands of people find the right loan for their unique needs.

We want you to feel at home. That’s what being a home loan company is all about, right? We understand that getting a new loan can be daunting, and we want you to feel at ease — not only after you move in but from today on.

Ask questions. Tell us what you want. Or don’t want. What you worry about. What you dream of. One of our dedicated loan officers will explain every step before you take it, offer options, and help you find the loan that’s best for you. Here, we get rid of any mystery or tension that borrowers may feel, so getting a loan is easy and actually enjoyable. Imagine that.

Everyone is welcome. Our values, including Community, Courage, Empowerment, and Love, drive how we do business. In our effort to realize diversity’s value to Embrace and to support the communities we serve, we created the Diversity Collab and Wider Path Home Foundation, amongst other initiatives. And recently, the Mortgage Bankers Association (MBA) recognized us with the 2022 Diversity, Equity, and Inclusion (DEI) Leadership Award. “The award commends the hard work, dedication, and creativity of exemplary programs that focus on achieving organizational DEI.” The MBA’s recognition of our innovative leadership in this space is a source of encouragement and pride. We’re excited to keep moving the needle.

By the numbers

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satisfaction rating

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licensed states,
plus DC

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Where it all started

In 1983, Dennis Hardiman watched interest rates fall a whopping five points. This gave him a simple yet profound idea: Why not help people save money on their mortgages?

This was before Google, before cell phones, and before most people had heard of refinancing. Back then, if you had a mortgage, you kept it until you moved. But with a couple yellow legal pads and one shiny typewriter, Embrace Home Loans was formed with eyes toward the future. Originally founded as Advanced Financial Services, we evolved from a direct-to-consumer brand into an organization that also included retail sales. In 2009, after some creative introspection and an acquisition of Mason Dixon Funding, we realized every client relationship we have begins and ends with an embrace. Thus the Embrace Home Loans name was born.

Today, we’re one of the top full-service independent mortgage lenders in the country. With our wide range of products, we’ve helped families buy homes, refinance, and consolidate high-interest debt for nearly 40 years. Our mission hasn’t changed. We’re committed to finding the best loan for every borrower. Because you deserve it. We support several financial institutions with our mortgage services, including one of the largest financial advisory firms in the country.

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Our range of unique loan options allow us to meet the needs of borrowers with a wide variety of financial situations.
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We believe in being stewards of our community and our team, providing a north star to support everyone’s success.
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Giving is part of our culture. If we can make a difference in someone else’s life, it makes a difference in ours.
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We partner with a nonprofit dedicated to resolving housing inequity, driven by communities most historically impacted.
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