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Ralph Murciano

New York - Melville

425 Broadhollow Road, Suite 400,

Melville, NY 11747


About Ralph

Welcome to Embrace Home Loans – Long Island

Since 1983, we’ve been helping home buyers and homeowners get the financing they need to buy a new home, refinance an existing mortgage, or consolidate high-interest debt. Customer satisfaction is our highest priority (we continue to win awards), and we are always developing new loan products to fit the individual needs of our borrowers. Embrace Home Loans is your local lender with national backing, offering an expansive product menu including traditional mortgage products, like Conventional, FHA, and VA in addition to our exclusive products, including:

  • Programs for first-time homebuyers
  • Simplified Jumbo loans
  • Extended Rate Lock

We are opening up opportunities for more homebuyers to qualify for loans. We also have extremely competitive rates and easier approvals, that is as close to a cash offer as possible. When you work with us, you’ll discover why getting a mortgage is so much better when you Embrace it. Our Melville, NY branch on Long Island is run by Branch Manager, Ralph Murciano.

Ralph Murciano has become the newest branch manager at our Hauppauge branch, where he’ll support his team of loan officers with their loans and customers. He also originates loans himself and helps make the home buying process as smooth and stress-free as possible. Ralph helps customers lower their mortgage payments, decrease the number of years on their loan, and take cash out for debt consolidation or other projects. Before joining the team at Embrace, Ralph worked at Wells Fargo as a sales/branch manager and at Chase Mortgage in the same role. Ralph takes pride in helping his customers with his many years of experience and also his availability that includes nights and weekends.

Ralph was born in the Bronx, grew up in Elmhurst, Queens, and graduated from Pratt Institute with a degree in electrical engineering. He has been a President’s Club member for over 12 years and is also fluent in Spanish. He has experience in many types of programs including Affordable Home programs, FHA, VA, Renovation, and Jumbo loans. Whether it’s your first home or you’re moving up to a new home, primary vacation, or investment property, Ralph is always available to help.

Ralph now lives in Dix Hills, New York on Long Island with his wife Lori and their three children Jordan, Zachary, and Samantha. To stay active, he shoots hoops at different sports clubs in the area, and he also enjoys film, music, and dancing, as well as books on tape and even reading when he has the time. His idea of the perfect day would include spending time with family and friends, then sharing a good meal and lots of laughter.

98 percent Customer Satisfaction Rating thumbs up
Zillow 5 star rating
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender


  • 5

    5 Survey completed on October 04, 2022

    Review By Minghao Z. for Ralph Murciano

    Completed transaction in October 2022

    quick processing, lower than markey rate, flexible lending guideline

  • 5

    5 Survey completed on September 13, 2022

    Review By Kristin B. for Ralph Murciano

    Completed transaction in September 2022

    Ralph made it great !! He is extremely responsive even on weekends and evenings and always happy to make flyers for open houses and stop by to see if I need anything.

  • 5

    5 Survey completed on September 13, 2022

    Review By Harry M. for Ralph Murciano

    Completed transaction in September 2022

    He did a great job

  • 5

    5 Survey completed on September 07, 2022

    Review By Mary A. for Ralph Murciano

    Completed transaction in September 2022

    Ralph is always available and gets back to clients on a timely basis. He is extremely knowledgeable about all mortgage needs and programs.

  • 5

    5 Survey completed on September 02, 2022

    Review By Anna M. for Ralph Murciano

    Completed transaction in September 2022

    Both the buyers and myself were very satisfied every step of the way. Ralph was present, willing to help, responsive and made everything seem very easy. We were confident that Ralph would have the best solution to anything that came up during the process.

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Getting Started on Your Home Purchase

Buying a home can be a challenging experience, but you have help. Your real estate agent is there to help with the home search and your mortgage lender is there to get you through the mortgage process. Utilize these people and their knowledge to help you navigate through all the steps. Here, we’ll talk specifically…

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