Jeff Gaccione

Jeff Gaccione

Senior Loan Officer   NMLS# 20461

orange star4.92 (469 Reviews)

5 stars

Jeff Gaccione is a trusted mortgage professional in Middletown, RI 02842

About Jeff

Jeff Gaccione, a dedicated loan officer who’s been at Embrace for 21 years, excels in providing customers with tailored financial solutions and securing the right mortgage for financing their dream home. He values the family-like environment and the genuine sense of teamwork we enjoy here. Jeff ...

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Embrace Home Loans Presidents club

2019

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See what other homeowners have to say about me
  • 5

    Jeff made the closing process easy and smooth. He explained everything clearly, communicated effectively, and was always available when I had questions. It was a great experience overall.

  • 5

    Super communicative, did what he said he was going to do a very pleasan experience. Highly recommend using Jeff!

  • 5

    Smooth, patient, professional, responsive!

  • 5

    Jeff and the team at Embrace (Kristy) were amazing to work with. We had a tough road to secure a mortgage rebounding off the close of our business during those turbulent Covid years. Jeff and team secured the right loan, worked with us to tackle a very complex underwriting approval. They secured us a rate beyond our expectations and during the whole process were professional, communicative, timely and overall generous with their time to deliver on their commitment to our family. Very thankful for this great service and organization!

  • 5

    Above and beyond

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Middletown, RI Mortgage Loan Officers

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Frequently asked questions

Yes. Jeff Gaccione 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 Jeff Gaccione at our Middletown 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 Middletown 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, Jeff Gaccione is here to help you reach your goals.

Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Jeff Gaccione 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. Jeff Gaccione will walk you through your options and help you find the right fit.

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