Experienced Homebuyer

BUYING ANOTHER HOME CAN BE EASY.

You’ve done it before and so have we, thousands of times. Whether it’s your second home or your hundredth, getting another mortgage shouldn’t be complicated. If you’re upgrading, downsizing, or looking at a vacation home, Embrace makes it easier than ever to secure the financing you need.

We believe every homebuyer is unique, so we personalize the loan process from start to finish. Your assigned loan officer will work tirelessly to find you the best loan for your particular situation. And that same loan officer will be with you each step of the way, no matter if you’re looking for a primary residence, a new construction home, or an investment property.

Make the smart move.

Embrace offers many types of loans, including VA, unconventional, and those geared toward self-employed borrowers. We also have a variety of programs including no money down and extended rate lock options. Regardless of your current or previous mortgage, we’ll work with you to determine the right loan for your current needs, no matter where you are in the process.

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Home buying tips

We bet you’re a savvy home buyer, and you learned a lot the first (or second, or third . . .) time around. But every home purchase is different. No matter how experienced you are, it’s wise to take the time to consider your goals, the housing market, and a few other things each time you’re in the market again.

Learn the market. - The market’s always changing. Are you looking in a new area? Find out if it’s a buyer’s or a seller’s market. Check out home prices in the area, and see how long homes are taking to sell.

Research the area. - Moving out of state? Do research early on in the process to better prepare yourself, because each state has different contracts, fees, etc. when it comes to buying real estate.

Think about the future. - When you’re thinking about what you want in a new house, make sure to think not just about what you want now, but also down the road – things like amenities, the commute, your neighborhood, and the schools in the area.

Use a REALTOR®. - Working with a real estate agent makes sense for a variety of reasons. A good REALTOR® gives you intel about the area and can help save you time and money. You’ll also get access to their keen negotiating skills and local connections, which can be very important.

WHAT CAN YOU AFFORD?

Here’s why you should consider Embrace for your next home mortgage.

When searching for their next home purchase, homebuyers have trusted Embrace for more than 30 years to find different types of loans that fit their situation. When you work with Embrace, you will be guided through the process of applying for a home loan from beginning to closing by an expert Loan Officer, many of whom have almost a decade’s worth of experience in the industry.

Best of all, unlike some other lenders, we can help you close a loan in weeks instead of months – taking the pressure off your next home purchase even while you close on an existing one.

The loan approval process is made simpler with exclusive programs offered by Embrace. With Approved to Move™, you can get a fully underwritten mortgage approval before you start looking for your next home. This gives you an advantage over other potential buyers who may only be pre-qualified or pre-approved.

Our Guaranteed On-Time Closing program ensures that you won’t miss your closing. If you do, we’ll pay you up to $2,500. With a newly launched online application, getting started is easy. In addition, we have no application fees in most states, and no obligation.

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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.