Ray Goulart

Rhode Island - East Providence

50 Jordan Street, Suite 200

East Providence, RI 02914


About Ray

A mortgage industry veteran of 25 years, Ray Goulart joins the team at Embrace as a sales manager. Prior to working with us, he held roles as a senior mortgage officer and originator at at Alltrust Credit Union and Santander Bank. His skill and passion are helping people purchase or refinance their homes and realize their dream of homeownership. He realized he would be a good fit with Embrace when he was approached by a former coworker and learned about our competitive rates and exclusive products like Approved to MoveTM.

Ray grew up in East Providence, RI and has lived for the last 17 years in Rehoboth MA with his wife of 22 years. Their happy family consists of a son, two daughters, and their dog. He received his bachelor’s degree in business administration from Bryant University, with a major in marketing and a minor in psychology. His studies in college help him succeed in the mortgage industry by reaching his clients, understanding their wants, and being compassionate about their needs.

Always hardworking, last year Ray was awarded No. 2 in closed volume and No. 4 in closed units out of all mortgage originators who worked at credit unions in the South Coast of Massachusetts. A staunch sports fan, Ray has been a Patriots season ticket holder for 24 years! And his idea of the perfect day would be spending quality time with his family.

Ray will be helping homebuyers in Massachusetts in Seekonk, Fall River, New Bedford, Fairhaven, Swansea, Somerset, Westport, Acushnet, Dartmouth, Lakeville, Freetown, Assonet, Rochester, Mattapoisett, Marion, and beyond. Reach out to help achieve your dreams of homeownership.

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

Retail Sales Manager

NMLS # 4870

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50 Jordan Street, Suite 200

East Providence, RI 02914

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  • 5

    5 Survey completed on April 22, 2023

    Review By Lora L. for Raymond Goulart

    Completed transaction in April 2023

    I am a Realtor in Naples FL with customers from Massachusetts buying a 2nd here. Dealing with Raymond and Embrace was seamless and and fast. We have a new family of Snowbirds coming to beautiful Naples Florida!!

  • 5

    5 Survey completed on April 18, 2023

    Review By Kelly C. for Raymond Goulart

    Completed transaction in April 2023

    Ray took his time to explain everything and go over all of my options. He and Christina were very responsive and always answered my calls and emails in a timely manner. The whole process was smooth and it’s was very easy to do business embrace.

  • 5

    5 Survey completed on April 06, 2023

    Review By Mark J. for Raymond Goulart

    Completed transaction in April 2023

    Open communication, fast and clear replies. Listened to concerns and provided feedback and explained all options.

  • 5

    5 Survey completed on March 23, 2023

    Review By Eugenia C. for Raymond Goulart

    Completed transaction in March 2023

    Everytime I had a question Ray would call me right back I had a Great experience

  • 5

    5 Survey completed on December 09, 2022

    Review By Meghan M. for Raymond Goulart

    Completed transaction in December 2022

    I needed to close my loan fast. Ray had to be very precise in his actions to achieve this. His knowledge of the industry helped guide me toward the right solution and his work ethic and expertise closed my loan in time.