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https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-potoczak
Loan Officer NMLS# 966993
Michael Potoczak is a trusted mortgage professional in Basking Ridge, NJ 07920
Michael Potoczak is a seasoned Loan Officer joining the Embrace team in Basking Ridge, NJ. Mike has been in the mortgage business for 10 years where he sharpened his skills pre-approving clients, originating loans, and negotiating rates and products. With a company culture that emphasizes both e...
5
Steven C.
Completed transaction in November 2025
Great people and very prompt reply.
5
Brittany C.
Completed transaction in November 2025
Mike and his team were wonderful to work with from start to finish. they helped us secure the best rate possible and were clear and fast in all communications, as well as efficient!
5
Kristina M.
Completed transaction in June 2025
Michael was by far the best person we worked with during the home buying process. He was knowledgeable and readily available for all our questions. He replied less than 24hrs each time we had an inquiry and made us feel like we were a top priority. He also provided resources that allowed us to have an accurate sense of costs. To top it off, he was just such a pleasure to speak with and incredibly honest. We loved working with Michael and would refer him to anyone!!
5
Kaitlyn G.
Completed transaction in June 2025
I'm a realtor & my husband is a real estate attorney, so when it came time for us to buy a house, we had many business contacts between us to choose from. That being said, we knew we wanted to work with Mike to obtain our mortgage. He has all the qualities of someone you want to do business with. He's reliable, quick to respond, and always available to you. In a cutthroat market, Mike will take the extra step to help you win the bidding war. After we made an offer, he personally reached out to the listing agent to introduce himself, and to ensure them that with us as buyers & the Embrace team, we would seamlessly make it to the closing table, and we did. I can't recommend Mike enough, and I look forward to working with him again in the future!
5
Robert S.
Completed transaction in June 2025
Extremely personable and realistic when it came to our options. very easy to bounce ideas and genuinely seemed like he cared
Explore your options and take advantage of your mortgage opportunities
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180 Mt. Airy Road, Suite 100
NJ 07920 USBasking Ridge, NJ 07920
Yes. Michael Potoczak can help you explore low and no down payment options, including FHA, VA, USDA, and exclusive Embrace programs. You may also qualify for local or state assistance depending on your income and location.
Getting pre-approved is simple. You can apply online, schedule a call, or meet with Michael Potoczak at our Basking-Ridge branch. We’ll review your income, credit, and homebuying goals, then issue a personalized pre-approval letter. Many buyers choose Embrace’s exclusive Approved to Move program, which goes beyond standard pre-approval by fully underwriting your loan upfront.
Embrace Home Loans is a trusted mortgage lender serving Basking-Ridge and nearby communities. Our local loan officers offer personalized guidance, competitive rates, and exclusive loan programs designed to support homebuyers from pre-approval through closing. Whether you're a first-time buyer or refinancing, Michael Potoczak is here to help you reach your goals.
Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Michael Potoczak will help you compare fixed vs. adjustable rates, down payment requirements, and loan terms and guide you toward the best fit for your situation, whether you're buying your first home or your fifth.
The best mortgage depends on your credit, income, and long-term financial plans. Government-backed loans often offer flexible guidelines, while conventional loans may offer lower rates and reduced fees. Michael Potoczak will walk you through your options and help you find the right fit.
4.91 (142 Reviews)
