Neil Kolakowski

Embrace Home Loans Corporate


25 Enterprise Center

Middletown, RI 02842


About Neil

Neil Kolakowski has been a part of the Embrace Home Loans family since 2010. He works out of our Newport, Rhode Island corporate headquarters as Loan Officer. Neil has worked very hard to establish a clientele that keep coming back to him because of his oriented knowledge, pleasurable personality, as well as his patience, honesty and determined attitude. He has been recognized within the company in 2013, as a recipient of the Care Letter award, displaying that his attention to detail, communication with clients and accuracy was very consistent. Whether you need to secure a loan to purchase your dream home, or looking to refinance your current mortgage to improve your financial situation, Neil can assure to get you answers that fit within your household budget.

Prior to joining the Embrace team, Neil received his Bachelor’s degree from Bridgewater State University in Sociology. Neil grew up in Somerset, Massachusetts, about 30 minutes from Newport, where he still currently resides. Neil’s time away from the office is spent enjoying sports, both playing and watching football, basketball and volleyball. In addition he enjoys spending time with his friends playing corn hole, poker and boating.

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



5.0 Survey completed on February 23, 2019

Review By Dianna M. for Neil Kolakowski

Completed transaction in February 2019

Neil's expertise made my refinance a pleasant experience. Besides being very patient with my lack of computer knowledge, he efficiently answered all of my questions and provided copies of any documents I requested.


5.0 Survey completed on February 21, 2019

Review By Yao S. for Neil Kolakowski

Completed transaction in February 2019

Closed the loan fast.


5.0 Survey completed on February 06, 2019

Review By Kelly H. for Neil Kolakowski

Completed transaction in January 2019

Neil was very communicative throughout the entire process of purchasing our home...and it was a very long and drawn out process. The underwriter wanted everything short of a DNA sample and it seemed like we were never going to get into the home of our dreams, but Neil kept pushing and working and keeping me up to date every step of the way. I would definitely recommend Neil to anyone who is trying to purchase a home!


5.0 Survey completed on January 15, 2019

Review By Raymond F. for Neil Kolakowski

Completed transaction in January 2019

Responsiveness and starighforwardness


5.0 Survey completed on December 26, 2018

Review By Alex M. for Neil Kolakowski

Completed transaction in December 2018

Neil K was exceptional!!! He made the home buying process as easy as it possibly could be. Neil was always available to answer all our questions, explain everything in ways we could understand and guide us to make the best decisions. We appreciate his professionalism and would recommend him to everyone we know who are in need of a loan. We thank him for all the time and services he provided.

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