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Everyone’s situation is different. Are you looking for your first home? Downsizing and moving to the country? Maybe you’re self-employed and interested in putting on an addition for your aging parents. Whether you’re just starting out, retired, a small business owner, or active military, we can find a loan that fits your needs and lifestyle.
At Embrace, our mission is simple — to create the perfect home loan just for you. We’ve helped hundreds of thousands of people purchase and refinance their homes since 1983. It’s all we do, and our level of customer service is unparalleled. We have a 5-Star Google Customer Rating and a 98% customer satisfaction rating. Our online application is quick and easy, and we can take care of everything via phone and email while you stay in the comfort of your home.
We offer a wide range of loan types, including FHA, Conventional, VA, USDA, 203(k), and Jumbo, along with many proprietary programs that help make the loan process easier and more convenient. Take a look at some of our products and unique programs. And when you’re ready to buy or refinance, we’ll find a loan that fits you to a T.
Approved to Move™
When you find the house of your dreams, you want to be ready. With Approved to Move™, you can have a fully underwritten approval before you find a home. Approved to Move™ is virtually as good as a cash offer, which helps you stand out from other potential buyers, and sellers love it. Learn more
Conventional
With a Conventional refinance loan, borrowers can lower their current mortgage payment, change terms, or convert from an adjustable-rate mortgage (ARM) to a fixed-rate. Conventional loans are typically less expensive than FHA loans, but they are harder to qualify for. They often require a minimum credit score of 620 and a lower debt-to-income ratio. Learn more
FHA Insured Loans
FHA loans are guaranteed by the Federal Housing Administration (FHA) and are typically easier to qualify for than Conventional loans. They have lower down payments and are accessible to borrowers of all income levels. Learn more
VA Loans
Embrace is honored to support the men and women who serve our country. With a VA refinance loan, you can lower your monthly payments, merge a Conventional loan with a VA-backed one, or get cash for home improvements. These loans are backed by the U.S. Federal Government and are easier to qualify for than Conventional mortgages. Learn more
"Cody was very helpful! He was very professional and prompt. He was there for any questions at anytime!" - Zack, AL
30-Year Fixed-Rate Refinance Mortgage Example:
The payment on a $225,000 30-year fixed-rate cash out refinance loan at 3.250% with a 70% loan-to-value (LTV) is $979.21 with 2 points due at closing. The Annual Percentage Rate (APR) is 3.520%. This assumes a FICO score of at least 690. Payment does not include taxes and insurance premiums, which will result in a higher monthly payment. Interest rates and annual percentage rates (APRs) are based on current market rates and are subject to change without notice. Rates offered may be subject to pricing add-ons related to property type, loan amount, LTV, credit score, and other variables. Mortgage insurance may be required for LTV >80%. If mortgage insurance is required, the mortgage insurance may increase the APR and the monthly payment. Stated rate may change or not be available at the time of loan commitment or lock-in.
30-Year Fixed-Rate Purchase Mortgage Example:
The payment on a $225,000 30-year fixed-rate purchase loan at 3.125% with a 70% loan-to-value (LTV) is $963.84 with 2 points due at closing. The Annual Percentage Rate (APR) is 3.390%. This assumes a FICO score of at least 710. Payment does not include taxes and insurance premiums, which will result in a higher monthly payment. Interest rates and annual percentage rates (APRs) are based on current market rates and are subject to change without notice. Rates offered may be subject to pricing add-ons related to property type, loan amount, LTV, credit score, and other variables. Mortgage insurance may be required for LTV >80%. If mortgage insurance is required, the mortgage insurance may increase the APR and the monthly payment. Stated rate may change or not be available at the time of loan commitment or lock-in.