Jeff Gaccione

Jeff Gaccione

Senior Loan Officer   NMLS# 20461

orange star4.92 (462 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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  • 5

    I have used Jeff Gaccione multiple times over for mortgages (both conventional and VA) and refis. We have bought homes in central and southeast CT (Mystic/Groton), Bristol RI and Fall River MA with his help. He is at the top of everyone that I have ever worked with for anything. He is really that good. He will present multiple finance options and lays out all factors in a clear and concise manner. He is remarkably available for short notice questions and issues. Really just the best.

  • 5

    Jeff was SPECTACULAR . I will refer everyone to him - I could not have been happier through the process this was an extremely stressful and very short timeline and Jeff more than delivered throughout. I am so grateful!

  • 5

    Jeff was a great partner in this transaction.

  • 5

    Jeff helped us with our second home purchase in FL! His team was great to work with and helped gather all the needed details for a timely closing!

  • 5

    We had an excellent experience when refinancing our home in Maryland. Jeff was very professional, had clear communication, and we felt confident in his expertise. We never felt pressured by Jeff and felt he really cared.

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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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