Maria Fernandes

Embrace Home Loans Corporate


25 Enterprise Center

Middletown, RI 02842


About Maria

Maria has been helping people realize their dream of homeownership for decades. Having been with Embrace for 28 years, her mastery of every aspect from loan processing to closing, has naturally placed her in a position of uniqueness and leadership. Under her belt, a trove of accolades and countless industry awards has proudly earned her a place in the Embrace Hall of Fame. Yet, one of Maria’s greatest satisfactions comes from finding loans for our military families and Veterans.

Born in the Island of Sao Nicolau, Cabo Verde is where she draws her strength, determination and tenacity from. She has characteristics descriptive of her late father’s resolve in crossing the Atlantic in the early 1900’s. Maria continues to be an active member of the Cape-Verdean Community throughout New England. She is also one of the founding members of Fidjes D’San Nicolau y Amigos, an NGO with international reach to anywhere Cape-Verdean communities are in need. Her volunteerism has found a special place with the Families for Wounded Warriors. She is a multilingual, multifaceted, and refreshingly honest individual whose integrity is a cut above the rest.

Maria grew up in East Providence, RI and attended Johnson & Wales University. Today, she lives in Seekonk MA with her husband of 29 years. She’s an avid music lover and enjoys reading, shopping and visiting her daughter in NY. Her idea of a perfect day is spending time with her immediate family and friends.

98% Customer Satisfaction Rating
Better Business Bureau logo
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender



5.0 Survey completed on May 11, 2019

Review By Marlene K. for Maria Fernandes

Completed transaction in April 2019

My experience with Maria every time we communicate has been great. She is very pleasant and helpful.


5.0 Survey completed on May 02, 2019

Review By Erico C. for Maria Fernandes

Completed transaction in April 2019

It was a pressure free experience and her level of experience was felt by her answers and advices. I have done a few loans and by far this is the only one I felt I got everything I wanted and very smooth process along the way. Thank you Maria and the rest of the team for a job well done.


5.0 Survey completed on April 26, 2019

Review By Luis G. for Maria Fernandes

Completed transaction in April 2019

She gave me confidence from the first moment we Spock ,that I was going to be successful . She was very knowledgeable , and walked me though the process From begening to the end


3.0 Survey completed on March 27, 2019

Review By Angela M. for Maria Fernandes

Completed transaction in March 2019

From start to finish the process took nearly 6 months with 3-4 loan officers, endless documents, endless emails, etc. When you thought there would be no more requests there was... I requested a certain amount and by the time we closed my loan increased $25K what we needed. All I heard from Maria Fernandes during the loan process was, "It's not me... it's the underwriter …" I've be through numerous mortgage loans and mortgage loan refinances in the passed 30+ years. This process took the cake!


5.0 Survey completed on March 18, 2019

Review By Patricia C. for Maria Fernandes

Completed transaction in March 2019

Maria made it easy from the minute I spoke to her on the phone. From start to finish, the entire loan process took only a month. She was always available to answer questions and guide me through the process. I had an awful experience trying to refinance with my bank so I was hesitant to apply but Maria’s understanding and reassurance made it surprisingly simple and pleasant. Thanks Maria and Embrace Home Loan for helping me secure a loan that will save me thousands of dollars!

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