Skip To main content
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
Zillow 5 star rating
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender


  • 5.0

    5.0 Survey completed on April 23, 2021

    Review By Bill C. for Maria Fernandes

    Completed transaction in April 2021

    Maria was a tremendous help and very informative. A true pleasure to talk to.

  • 5.0

    5.0 Survey completed on April 19, 2021

    Review By Toby W. for Maria Fernandes

    Completed transaction in March 2021

    This is the second home Maria has helped me with. She always makes the experience pleasant. I will always reach out to her with any future homes.

  • 5.0

    5.0 Survey completed on April 16, 2021

    Review By Maryann E. for Maria Fernandes

    Completed transaction in April 2021

    called me to ask for certain papers needed, and tried to work on a loan that I needed in order to complete my goals.

  • 5.0

    5.0 Survey completed on March 22, 2021

    Review By Jennifer T. for Maria Fernandes

    Completed transaction in March 2021

    Maria is thoughtful, professional and thorough! I had a lot of questions and she was patient and kind the entire time. Her communication skills are clear, timely and effective. She made the process transparent and easy and I’m so grateful for her support, understanding of my ineptness and her kindness!

  • 5.0

    5.0 Survey completed on March 21, 2021

    Review By Lisabeth K. for Maria Fernandes

    Completed transaction in March 2021

    Maria was a pleasure to work with! She worked hard to assure that I got the best possible refi rate and always patiently answered my many questions.

Loan in progress?

Please correct the form errors and try again.
4 Risks of Waiving Your Home Inspection

In today’s red-hot housing market, competition is stiff. About two-thirds of all buyers find themselves in a bidding war, and with for-sale listings in such low supply, many are willing to pull out all the stops just to win a house. One of those stops? That’d be the inspection contingency. That’s right: Buyers are regularly…

Read More