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Joseph Pappas

Embrace Home Loans Corporate

25 Enterprise Center

Middletown, RI 02842


About Joseph

If you want a loan officer who is a team player, driven, and committed to your success, Joe is your guy. As a former athlete, Joe is big on helping homeowners and homebuyers achieve their specific goals, and he always takes the time to understand his clients’ wants, needs, and vision.

Before coming to Embrace, Joe started his career in the insurance and finance industries learning about the success of Warren Buffett as a young man. He started as a Sales Associate then Account Executive; and due to his hard work and commitment to success he quickly advanced to Territory Sales Manager within his first six months. He’s also received many awards for his professional achievements since then.

Joe grew up in the Bronx, NY. When he turned 12 his family moved to Newburgh, NY. He participated in football, basketball, baseball and boxing. Growing up he won many county, state and collegiate awards. He accepted a full baseball scholarship to LeMoyne University, and he left school early to pursue a professional baseball career. Soon after completing his baseball journey he went back to complete his Bachelor’s Degree.

Joe currently lives in Bristol, RI with his son, Anthony. Anthony was born on July 4th, which is perfect, because Bristol is home to the nation’s oldest fourth of July celebration.

98% Customer Satisfaction Rating
Zillow 5 star rating
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender


  • 5

    5 Survey completed on June 30, 2022

    Review By Michael J. for Joseph Pappas

    Completed transaction in June 2022

    Our overall experience was excellent. Joseph was very professional. He addressed our concerns and answer questions clearly and concisely.

  • 4

    4 Survey completed on June 28, 2022

    Review By Charles K. for Joseph Pappas

    Completed transaction in June 2022

    Joe was very on top of the process and complied with our request to make my fiancée the point of contact with my blessing because this is a- her wheelhouse and b- she has the ability to answer the phone and emails all day long and I do not. However, the one area of the process that I think needs improvement is the actual closing. We were told the process requires three days once we signed and acknowledged receipt of the final closing documents but we were unable to close in that week as expected. Because Saturday is the most flexible for me due to my schedule it pushed the closing out 2.5 weeks which is 17 days vs 3 and that was very frustrating.

  • 5

    5 Survey completed on January 17, 2022

    Review By Leo V. for Joseph Pappas

    Completed transaction in January 2022

    Joe, monica and the team were exceptional on notifying and keeping an open line of communication. They have bent over backwards to make this refinancing possible to the point where Mr. Joe ended up in the hospital with a back injury. Thank y’all so much for the help and guidance to make this possible. His knowledge of refinancing and patience is exceptional and I would recommend him to everyone considering refinancing a mortgage.

  • 5

    5 Survey completed on January 12, 2022

    Review By Christopher T. for Joseph Pappas

    Completed transaction in January 2022

    Joseph was extremely helpful! He always made himself available to answer questions, as if I was his only client.

  • 4

    4 Survey completed on December 28, 2021

    Review By Derek D. for Joseph Pappas

    Completed transaction in December 2021

    The process was smooth and straightforward, we were well informed and advised. Very professional and quick.

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