Welcome to Embrace - Your Trusted RLAH Lending Partner

Since 1983, Embrace Home Loans has been helping people just like you finance their dream homes. Whether you’re buying your first home, upgrading to your forever home, or refinancing, our team is here to guide you every step of the way.

We’re proud to partner with RLAH to bring you local loan officers who understand your market—and who are fully committed to helping you succeed. Backed by national strength and a wide range of loan options, we offer both traditional mortgage programs (Conventional, FHA, VA) and exclusive solutions designed to make buying a home easier and more competitive.

One of our standout tools is the Property Value Certificate (PVC)—a unique program that gives you the option to waive the appraisal contingency with confidence. This can strengthen your offer and help you stand out in a competitive market. And if the home appraises lower, you’ll still enjoy:

• No out-of-pocket cost differences
• No PMI added
• No change in your interest rate
• No added fees

We also offer extended rate locks, jumbo loans, and first-time buyer programs—helping more people qualify with great rates and smooth approvals.

Buying a home is a big deal. With Embrace, you’re never navigating it alone.

Let’s get you home!

*This is not an appraisal and your decision on whether to waive the appraisal contingency is your choice. Doing so may make your offer more competitive. You should carefully consider the risks and counsel of your real estate professional before making your decision. This is not a credit decision or commitment to lend. Subject to underwriting approval and other conditions.