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Perspectives

Posted 03/01/2017 by Administrator

Many teams within Embrace Home Loans collaborate to deliver goods and services.  Each month we share different perspectives on different these cross-collaboration goods and services. Onboarding, also known as organizational socialization, refers to the mechanism through which new employees acquire the necessary knowledge, skills, and behaviors to become effective organizational members and insiders. by Jason Burnett We asked Jason Burnett, Embrace Retail Recruiter, about his team's ro...

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Work-Life Balance Feature

Posted 03/01/2017 by Administrator

For many professionals, immense career growth can come at a significant cost to other areas of life; forcing them to compromise on the very things that matter most. The majority of executive-level leaders, however, have found that the answer to long-term, sustained success tends to lie in learning to effectively balance one's career with social, family, and community life. The Embrace Home Loans Talent Development team understands this is no easy feat, and takes pride in helping employees d...

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Embrace Core Value

Embrace Core Value

Posted 02/26/2017 by Administrator

With the 2017 release of Embrace Home Loans’ updated purpose statement and core values, it is the Talent Development team's hope that employees will strive now, more than ever, to infuse these ideals into their personal and professional lives on a daily basis. In the coming months, a different core value will be featured in the monthly eNewsletter as it is being successfully applied here or in other industries as part of our initiative to further dev...

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Golden Baton

The Golden Baton

Posted 02/22/2017 by Administrator

by Colleen Russo  There are several Golden Batons awarded at the Embrace Home Loans Awards Ceremony each month. Sales Promotion Coordinator, Kristin Faria, says the company has been awarding Golden Batons since well before she began her career at Embrace Home Loans nineteen years ago. Each month, department managers award a Baton to the team member whom they feel has gone above and beyond, and deserves recognition for excellence in the workplace. ...

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Modern house in town

Five Questions To Ask a Loan Officer when Buying a Home

Posted 10/14/2016 by admin

Before you begin house hunting hear are some questions you want to be sure to ask.  Potential Homeowners looking to finance a home purchase will want to be sure to ask the following questions. Who will work with me throughout the loan process? At Embrace Home Loans every customer has a dedicated Mortgage Specialist who will work with them from application to closing. Your Embrace Mortgage Specialist will keep you up-to-date as your loan moves through the process and assist you in pulling to...

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Three things to consider when refinancing

Three Things You Need To Consider Before Refinancing Your Mortgage

Posted 10/11/2016 by admin

A mortgage loan refinance is a great way to lower monthly payments and free up much needed cash. In order to determine whether a refinance is right for you, there are several factors to consider. Your Embrace Mortgage Specialist can help you determine whether you should refinance and just exactly how much money you can save each month. 1. How much will I save on my monthly payment? It depends on the type of refinance you’re looking to do. Refinancing to take advantage of a lower interest r...

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How to refinance a house

How to Know Which Home Loan Is Right For You

Posted 10/10/2016 by admin

1. Are you a first time homebuyer? & What is your credit score? First time homebuyers have a number of options available to them. There are many low down payment financing options available. FHA loans generally have a lower interest rate for qualified buyers. There are state and local down payment assistance programs. Some programs allow for down payments in the form of a gift. FHA loans are ideal for borrowers with less than stellar credit. Borrowers with excellent credit scores can get bet...

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How to Buy a house at the end of the pier

How to Know If You Should Refinance Your Mortgage Or Not

Posted 10/07/2016 by admin

Some important questions to ask before you refinance. 1. Why are you considering a refinance? There are several good reasons to refinance. A lower interest rate can save you thousands of dollars over the life of your loan resulting in better cash flow and a lower monthly payment. Debt consolidation can also save you money by combining high interest credit card and other loans payments into a single lower monthly payment. Refinancing can also allow you to tap into the equity in your home and take...

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Ski house in the snow

Five Questions To Ask Before You Refinance Your Mortgage

Posted 10/07/2016 by admin

Homeowners looking to refinance an existing loan will want to be sure to ask the following questions. Who will work with me throughout the loan process? At Embrace Home Loans every customer has a dedicated Mortgage Specialist who will work with them from application to closing. Your Embrace Mortgage Specialist will keep you up-to-date as your loan moves through the process and assist you in pulling together the necessary documentation. What is the interest rate, how is it determined and will the...

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Three things you need to know before you buy

Three Things You Need To Know Before Getting A Home Loan

Posted 10/07/2016 by admin

If you’re considering buying a home, or refinancing an existing mortgage you want to be ready when you meet with your Embrace Mortgage Specialist. Here are three things you should know. 1. Your credit or FICO score - Designed to provide lenders with an objective assessment of a potential borrowers ability to repay, the FICO Score was introduced by Fair Isaac and Company. You actually have three credit scores, one from each of the three major credit bureaus, Experian, Equifax, and TransUnio...

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