Home buying 101.

Buying a home is a wise investment – and it’s exciting. But it’s also a big commitment, and that can be overwhelming. That’s why Embrace makes the process easy for you.

MY OPTIONS

FIRST TIME HOMEBUYER

First home? First mortgage? Our experts will walk you through every step of the process. Read More >>

EXPERIENCED HOMEBUYER

Looking to upgrade, downsize, or purchase a vacation home? We can help. Read More >>

VA Home Loans

It’s time for us to serve you. We offer lots of VA loans and home financing options. Read More >>

What type of mortgage fits you best?

We offer all types of loans from FHA to VA to Conventional mortgages, fixed or adjustable rates, and more. Our specialists take a personalized approach to help you find a loan that’s customized for your specific needs.

Embrace also has exclusive programs that make the process more convenient. With our revolutionary Approved to Move™, you get a fully underwritten mortgage approval before you even start looking for your dream home. And our Guaranteed On-Time Closing program helps ensure that you won’t miss your closing.

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US WEEKLY AVERAGES*

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TYPES OF LOANS

Which loan is right for me?

Everyone’s situation is unique, and our mortgage specialists will help you find the loan that’s right for you. For a lower monthly payment, you might go for a 30-year fixed rate. To save more in the long run, you might opt for a 15-year term or an adjustable rate mortgage (ARM). There are also FHA, VA, and USDA loans, which have their own great benefits if you qualify.

View loan examples >>

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ESTIMATE YOUR MORTGAGE

THE HOME BUYING PROCESS

What happens during the process?

Getting a mortgage doesn’t have to be overwhelming. At Embrace, we’re here to make the process as stress-free as possible. Buying a new home should be an exciting time, and we want to make sure you enjoy every second.

Whether you’ve already found your dream home, are actively shopping, or you’re just starting to look, you probably have some questions about how to get the financing you need.

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TESTIMONIALS

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30 Year Fixed-Rate Refinance Mortgage Example:
The payment on a $225,000 30 year fixed-rate cash out refinance loan at 3.875% with a 70% loan-to-value (LTV) is $1058.04 with 2 points due at closing. The Annual Percentage Rate (APR) is 4.123%. This assumes a FICO score greater than 680. Payment does not include taxes and insurance premiums, which will result in a higher monthly payment. Interest rates and annual percentage rates (APRs) are based on current market rates and are subject to change without notice. Rates offered may be subject to pricing add-ons related to property type, loan amount, LTV, credit score and other variables. Mortgage insurance may be required for LTV >80%. If mortgage insurance is required, the mortgage insurance may increase the APR and the monthly payment. Stated rate may change or not be available at the time of loan commitment or lock-in.

30 Year Fixed-Rate Purchase Mortgage Example:
The payment on a $225,000 30 year fixed-rate purchase loan at 3.49% with a 70% loan-to-value (LTV) is $1,009.10 with 2 points due at closing. The Annual Percentage Rate (APR) is 3.733%. This assumes a FICO score greater than 700. Payment does not include taxes and insurance premiums, which will result in a higher monthly payment. Interest rates and annual percentage rates (APRs) are based on current market rates and are subject to change without notice. Rates offered may be subject to pricing add-ons related to property type, loan amount, LTV, credit score and other variables. Mortgage insurance may be required for LTV >80%. If mortgage insurance is required, the mortgage insurance may increase the APR and the monthly payment. Stated rate may change or not be available at the time of loan commitment or lock-in.