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https://www.embracehomeloans.com/location/rhode-island/financial-institutions-group/kirk-hutchings
Team Leader/Vice President NMLS# 7593
Kirk Hutchings is a trusted mortgage professional in Middletown, RI 02842
Kirk Hutchings has the unique distinction of being the third most tenured employee at Embrace Home Loans - he has been with the company for 38 years. For most of his career with Embrace, Kirk has been a Team Leader and Vice President, overseeing a team of 12 Loan Officers, originating, processin...
4
Ryan L.
Completed transaction in November 2025
Kirk communication throughout the process .
5
Dale S.
Completed transaction in November 2025
Service service service
5
Suho L.
Completed transaction in November 2025
The prompt and attentive responses to my text messages really made the experience great.
5
Andrew L.
Completed transaction in November 2025
Best MLO and stays on top of everything.
5
Dawayne O.
Completed transaction in October 2025
We’ve had the pleasure of working with Kirk on two home purchases, and both experiences have been outstanding. From start to finish, Kirk made the entire financing process smooth, transparent, and stress-free. His professionalism, knowledge, and attention to detail are second to none. Kirk took the time to clearly explain every step, answer all our questions, and ensure we had the best loan options available. He’s incredibly responsive and proactive, which gave us total confidence throughout both transactions. We truly appreciate Kirk’s dedication and expertise — he goes above and beyond to make sure everything stays on track. We wouldn’t hesitate to work with him again and highly recommend him to anyone looking for a trusted and dependable loan officer.
Explore your options and take advantage of your mortgage opportunities
APPLY NOWYes. Kirk Hutchings 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 Kirk Hutchings at our Financial Institutions Group 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 Financial Institutions Group 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, Kirk Hutchings is here to help you reach your goals.
Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Kirk Hutchings 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. Kirk Hutchings will walk you through your options and help you find the right fit.
4.95 (105 Reviews)
