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



5.0 Survey completed on May 22, 2019

Review By Richard H. for Neil Kolakowski

Completed transaction in May 2019

This was the second time we have worked with Neil and like the first, he went above and beyond our expectations. His advice and communications kept us on top of the process from the very start and the closing was a breeze, thanks to his attention to detail. We don't know if this will be our last mortgage but if not, we will definitely call Neil to handle it. Thank you for being there for us.


5.0 Survey completed on May 18, 2019

Review By Raymond L. for Neil Kolakowski

Completed transaction in May 2019

Neil Kolakowski performance exceeded my expectations. He will be doing business with me for ages to come. Thanks for all your hard work Neil, God bless you and thank you so so so much. Raymond K Laibhen


5.0 Survey completed on May 15, 2019

Review By James A. for Neil Kolakowski

Completed transaction in May 2019

Neil was exceptionally helpful. His communication throughout the process was prompt and clear. He was very kind and encouraging. I felt like I had gained a friend along the way. If I ever have the chance to recommend someone to do business with, I will wholeheartedly recommend Neil Kolakowski.


5.0 Survey completed on May 02, 2019

Review By Denis M. for Neil Kolakowski

Completed transaction in April 2019

Neil is very professional and honest, He is that person who speaks to you with sincerity. When he he advises you on your loans, Neil speaks to you with truth and honesty. Neil is a professional who know a his work and strives to achieve the objectives of his clients. He has the quality of giving 100% customer service. Therefore, my experience was very positive and my goals were reached with the advice of Neil...


5.0 Survey completed on March 27, 2019

Review By Duane H. for Neil Kolakowski

Completed transaction in March 2019

we have had the pleasure of experiencing a seamless home loan with Neil not once but 2 times.I was surprised that we were able to do this quickly,and were able to get by without having to make 2 house payments thus saving us appx.1700 dollars. I would recommend anyone wanting a home loan to call Neil and get it done quickly thru Embrace .I cannot praise them enough,for the help and ease with which they were able to help us. Neil,thank you again for your service. Sincerely,Duane and Carol

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