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Jeff Flowers

Jeff Flowers

Senior Loan Officer
Phone: 800.333.3004 ext. 3359
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About

We are pleased to welcome Jeff Flowers to the Embrace Home Loans family. Named a “Five Star Mortgage Professional” by Rhode Island Monthly for six consecutive years (2011-2016), we are confident that Jeff will continue to provide the highest level of care and service to his clients and his teammates here at Embrace.  With almost 20 years of experience as a mortgage loan officer, Jeff has the expertise and knowledge to guide you through the application process. He understands that his clients are coming to him with unique situations that necessitate an open mind and an open ear. Jeff knows that finding the right financing solution is an essential step, and he takes this responsibility seriously. He looks forward to building a relationship with his clients in order to best serve them today and to help them in the future with any of their financial needs.

A native Rhode Islander, Jeff grew up in Cumberland. He attended Rhode Island College, where he earned a Bachelor of Science in Business and a Bachelor of Arts in Psychology.  He currently resides in East Greenwich with his wife Jane and two sons. He has served on the Board of Assessment Review in town for 10 years, in recent years as Chairman. He is an active member of the Rhode Island Mortgage Bankers Association and the Kent Washington Association of Realtors where he stays abreast of the current trends and developments in the mortgage and real estate industries.   When he isn’t working, Jeff volunteers his time with the Boy Scouts of America, of which is sons are members.  Jeff is also an avid runner, and enjoys golfing.  When he’s really looking to relax, he sips on his home brewed craft beer.

 

 

Branch: Rhode Island - Warwick, 935 Jefferson Blvd, Ste 3003 Warwick, RI 02886

Jeff Flowers, NMLS# 20888 , is employed by Embrace Home Loans and is licensed in:
CT FL MA NH RI

Reviews (20 Reviews)

5.0
5.0 Survey completed on January 13, 2018
Reviewed By Michael E. for Jeff Flowers
Completed transaction in December 2017
This was our first home and Jeff really took his time to make sure we understood each stepnof the process. He made himself available whenever we had question, and always responded immediately.
5.0
5.0 Survey completed on January 12, 2018
Reviewed By Stephen K. for Jeff Flowers
Completed transaction in July 2017
Jeff was very responsive and professional. I would recommend him to anyone that is looking for a mortgage. New or Refinance. We have done both with Jeff and Embrace.
5.0
5.0 Survey completed on December 18, 2017
Reviewed By Kerri-Ann D. for Jeff Flowers
Completed transaction in December 2017
Working with Jeff Flowers was such a refreshing experience! Jeff and his team kept on top of things throughout the mortgage process, responded to my emails/calls immediately, answered questions and worked with me through all the mortgage options. Jeff went above and beyond what I expected to ensure all went well. He was extremely communicative through each step of the process resulting in my complete satisfaction. It was a pleasure working with Jeff and I would highly recommend him.Working with Jeff Flowers was such a refreshing experience! Jeff and his team kept on top of things throughout the mortgage process, responded to my emails/calls immediately, answered questions and worked with me through all the mortgage options. Je ...read full review
5.0
5.0 Survey completed on September 19, 2017
Reviewed By Charles S. for Jeff Flowers
Completed transaction in September 2017
Jeff was a perfect blend of professionalism and friendliness. I appreciate his diligence in getting paperwork completed in a timely manner. Jeff also took the time to answer al my questions and made his requests for information clear and with appropriate time limits. Great experience from start to finish. Jeff was a perfect blend of professionalism and friendliness. I appreciate his diligence in getting paperwork completed in a timely manner. Jeff also took the time to answer al my questions and made his requests for information clear and with approp ...read full review
5.0
5.0 Survey completed on August 19, 2017
Reviewed By Lindsay L. for Jeff Flowers
Completed transaction in August 2017
5.0
5.0 Survey completed on August 14, 2017
Reviewed By Jesus P. for Jeff Flowers
Completed transaction in August 2017
Communication ,availability and quick response
5.0
5.0 Survey completed on August 1, 2017
Reviewed By Michael M. for Jeff Flowers
Completed transaction in July 2017
I really appreciated how timely Jeff communicated and responded to our many questions. Additionally, Jeff went above and beyond in educating me about some of the peculiarities of the lending process. Thank you Jeff for making our first home-buying process a successful one. I really appreciated how timely Jeff communicated and responded to our many questions. Additionally, Jeff went above and beyond in educating me about some of the peculiarities of the lending process. Thank you Jeff for making our first home-buying pr ...read full review
5.0
5.0 Survey completed on June 28, 2017
Reviewed By Cherish W. for Jeff Flowers
Completed transaction in May 2017
Jeff was kind, personable, answered all of my questions quickly and accurately and genuinely cared that I understood everything he said. I loved working with him and will miss our daily communications, and would recommend him to anyone. Thank you!! Jeff was kind, personable, answered all of my questions quickly and accurately and genuinely cared that I understood everything he said. I loved working with him and will miss our daily communications, and would recommend him to anyone. Thank you!! ...read full review
5.0
5.0 Survey completed on June 27, 2017
Reviewed By George W. for Jeff Flowers
Completed transaction in May 2017
Jeff was so supportive with everything. My wife did most of the legwork with the financing but he walked her through everything and answered every question as soon as he could (even after hours emails). Couldn't recommend him more.
5.0
5.0 Survey completed on January 23, 2017
Reviewed By Joe for Jeff Flowers
Completed transaction in January 2017
I've had the pleasure to work with Jeff Flowers on a mortgage refinancing and as in the past, I've always received great financing advice from Jeff.
5.0
5.0 Survey completed on October 13, 2016
Reviewed By Michael A. for Jeff Flowers
Completed transaction in October 2016
Jeff is really easy to work with, and explains all the details in a way that anyone can understand.
5.0
5.0 Survey completed on August 8, 2016
Reviewed By tcbfarm for Jeff Flowers
Completed transaction in August 2016
Jeff made the purchase of my current home so smooth. It was my first mortgage, his knowledge and experience were so helpful throughout the whole process. He was meticulous with completion of the proper documents and was always just a phone call away.
5.0
5.0 Survey completed on August 8, 2016
Reviewed By user4477212 for Jeff Flowers
Completed transaction in August 2016
Jeff helped me obtain my mortgage and prepare all the paperwork quickly and efficiently He made the process easy and his knowledge and professionalism were outstanding. I would recommend his services as you will not be disappointed
5.0
5.0 Survey completed on August 8, 2016
Reviewed By crowrob55 for Jeff Flowers
Completed transaction in August 2016
I've worked with Jeff on multiple occasions. He is on top of his game. A true professional. I have referred my co-workers to him who have thanked me for the introduction.
5.0
5.0 Survey completed on June 28, 2015
Reviewed By rhamlin06 for Jeff Flowers
Completed transaction in June 2015
Jeff was very straight forward through our whole process from getting pre-qualified and understanding our financial reediness of home ownership to turning around in closing our mortgage in 30 days based on our home coming to an agreement very quickly. I would highly recommend Jeff and his team.Jeff was very straight forward through our whole process from getting pre-qualified and understanding our financial reediness of home ownership to turning around in closing our mortgage in 30 days based on our home coming to an agreement very quickl ...read full review
5.0
5.0 Survey completed on June 8, 2015
Reviewed By jheidi1102 for Jeff Flowers
Completed transaction in June 2015
I was extremely happy with jeff he was very helpful with every aspect of the mortgage process my case was very difficult from beginning to end seeing that im a small business owner and wanted a fixer upper type property I would recommend and return as customer myself thumbs up to jeff and all the staff at home loan bank

sincerely
a happy home owner

Heidi Johnson
I was extremely happy with jeff he was very helpful with every aspect of the mortgage process my case was very difficult from beginning to end seeing that im a small business owner and wanted a fixer upper type property I would recommend and retur ...read full review
5.0
5.0 Survey completed on May 21, 2015
Reviewed By nkjdebo1 for Jeff Flowers
Completed transaction in May 2015
We had a very smooth transaction in refinancing our home with Mr Flowers. Couteous, knowledgeable and always willing to answer questions and return phone calls. Refinancing was quick and easy.
5.0
5.0 Survey completed on May 21, 2015
Reviewed By shane harrold for Jeff Flowers
Completed transaction in May 2015
When I was looking to refinance my home and investment properties, I searched online for mortgage and finance companies. Jeff was the first one to respond immediately after i inquired. What I like most about Jeff is that he gave me all the information I needed to make my own decision. I didn't feel like I was being coerced or pressured into using his services. When I finally made my decision to use Jeff and his company, we were off to the races. He was great at explaining the time line of events and what I needed to provide. He streamlined the process to make it a quick, easy and pleasuable experience. I have and will continue to recommend Jeff to anybody that is looking for a mortgage or any other financil services.When I was looking to refinance my home and investment properties, I searched online for mortgage and finance companies. Jeff was the first one to respond immediately after i inquired. What I like most about Jeff is that he gave me all the informatio ...read full review
5.0
5.0 Survey completed on May 21, 2015
Reviewed By ksjohnson64 for Jeff Flowers
Completed transaction in May 2015
I've worked with Jeff on financing and refinancing of several mortgages. Jeff is extremely knowledgeable about options and very responsive to my needs. He's also excellent at finding the best deals. In addition, I greatly appreciate the high transparency he gives to the process and costs. He's also a person of high integrity. There was a time when he could not give me the best deal and did not try to sell me into what he could offer. Even then, he was willing to talk to me with questions that I had.
I highly recommend Jeff.
I've worked with Jeff on financing and refinancing of several mortgages. Jeff is extremely knowledgeable about options and very responsive to my needs. He's also excellent at finding the best deals. In addition, I greatly appreciate the high trans ...read full review
5.0
5.0 Survey completed on May 21, 2015
Reviewed By Michael Capraro for Jeff Flowers
Completed transaction in May 2015
I was in the process of submitting a bid for my first home when my Realtor recommended I work with Jeff on a pre-approval letter. He was extremely knowledgeable, curious and walked me through the entire process. He even stayed late to get my pre-approval letter completed and emailed to me so I could attach to my bid.

My bid was accepted, and Jeff made sure I fully understood all of my options with the mortgage. I had MANY questions, but nothing he couldn't answer. I must have emailed him a dozen times a day and he always responded quickly.

As for the closing, it was absolutely seamless. I am now a proud home owner, and I couldn't have done it without his expertise.

Highly recommended.
I was in the process of submitting a bid for my first home when my Realtor recommended I work with Jeff on a pre-approval letter. He was extremely knowledgeable, curious and walked me through the entire process. He even stayed late to get my pre-appr ...read full review

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