James Eulie

Embrace Home Loans Corporate


25 Enterprise Center

Middletown, RI 02842


About James

James Eulie joined Embrace Home Loans in October of 2009. For over 7 years he has excelled at providing his clients with superior customer service. He is adept at pinpointing the best avenue of financial advancement to meet their individual goals. As an expert in communication, he works with a myriad of different clients and situations; from those who need to refinance or others who need to consolidate their debt to simplify their accounting. James is also a terrific resource for first-time homebuyers and those clients looking to make a well-informed decision on the purchase of a new home. Ultimately, his goal is to build lifetime relationships with every client. James prides himself on providing exceptional customer service and sound financial advice, before, during and long after the transaction has been completed.

On a personal note, James has a background in financial advising, coupled with first-hand experience in business. Having successfully owned and operated several businesses throughout his career before negotiating buyouts to pursue his current position, he gained the knowledge and experience necessary to combat obstacles and provide answers and solutions to problems before they arose.

A large portion of James’ success has been repeat business from clients he has helped with previous financing. This is a testament to the effort and attention that he puts into each and every loan he offers. As an industry-licensed professional, he is again and again applauded by his customers.  He welcomes anyone committed to improving their finances to call him at 800-333-3004 ext. 3423 or email him at [email protected] for a no cost, no obligation consultation.

  • Purchase Lending for Primary Residence, Investment Properties and Second Homes
  • Refinancing for Primary Residence, Investment Properties and Second Homes
  • FHA Loans
  • Fannie Mae Conventional Loans
  • Freddie Mac Conventional Loans
  • VA Loans
  • RI Housing
98% Customer Satisfaction Rating
Zillow Icon
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender



5.0 Survey completed on July 06, 2020

Review By Eddie P. for James Eulie

Completed transaction in June 2020

I'm a business owner and always very busy so to have an agent that's a call away is important. Not to mention paperwork delivery was awesome!


5.0 Survey completed on July 03, 2020

Review By Timothy S. for James Eulie

Completed transaction in June 2020

James went above and beyond ordinary bankers to provide excellent customer service.


5.0 Survey completed on June 08, 2020

Review By Michael N. for James Eulie

Completed transaction in June 2020

James is very reliable, helpful and easy to talk to. He gets straight to the point and doesn’t beat around the bush. His goal is to get you where you want to financially be, and finds a way to make it happen. Very pleasant and friendly. I would definitely refer him to my friends and family.


5.0 Survey completed on June 05, 2020

Review By Jodi F. for James Eulie

Completed transaction in June 2020

James was very responsive, honest and diligent throughout the application and closing process! He had a positive attitude and ensured that everything went smoothly! He helped us complete a refi combining a first and second mortgage when other lenders could not! It was extremely helpful to be able to work with the same contact throughout the process. Best experience I have had with a loan officer and mortgage lender and will refer all my friends and family!


5.0 Survey completed on June 04, 2020

Review By Trent D. for James Eulie

Completed transaction in May 2020

James was very pleasant, helpful, and open to any questions I had. He returned my calls in a timely manner and made the whole experience pleasant for me. I would highly recommend his services.

Mortgage Interest Rates Drop
Rates Continue to Slip Amid Fears of a Coronavirus Resurgence

Overall, mortgage activity increased by 2.2% this week, though the data does include an adjustment for the Fourth of July holiday. Purchase applications increased 5% from this time last week while refinance applications increased 0.4%. Both metrics were also an increase from the same time last year. Joel Kan, MBA’s Associate Vice President of Economic…

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