Buying another home should be easy.

You’ve done it before and so have we, thousands of times. Whether it’s your third home or your thirtieth, getting another mortgage shouldn’t be complicated. If you’re upgrading, downsizing, or looking to purchase 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.

Embrace offers many types of loans, including FHA, VA, and those geared toward self-employed borrowers who may have difficulty getting a mortgage elsewhere. At Embrace, we’ll work with you to determine the right loan for your current needs, no matter where you are in the process. We’re so confident that you’ll close on time, we put money on it —with our Guaranteed On-Time Closing. If for any reason your Conventional, FHA, or VA purchase loan doesn’t close on time and it’s our fault, we’ll pay you $2,500 within 30 days of closing.

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With a Conventional refinance loan, borrowers can lower their current mortgage payment, change terms, or convert from an adjustable-rate mortgage (ARM) to a fixed-rate. Conventional loans are typically less expensive than FHA loans, but they are harder to qualify for. They often require a minimum credit score of 620 and a lower debt-to-income ratio. Learn more about our Conventional loans

Mortgage Calculator

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As you know, when buying a new home, you’ll have lots of numbers thrown at you — like interest rates, loan terms, closing costs, homeowners insurance, and property taxes. All of these will affect your monthly mortgage payment. So how can you figure out what your payment will be? That’s where our Mortgage Calculator comes in handy.

With our Mortgage Calculator, you can consider numerous scenarios and see what your payment could be, depending on the criteria you choose. For example, you can plug in different property sale prices, annual property taxes, and private mortgage insurance (PMI) costs. Let’s say you want to pay off your mortgage in 15 years, but a shorter loan term is going to mean higher monthly payments. Want to know how much higher? Change your loan term from 15 to 30 years in the calculator, and you’ll see. Play with different scenarios and numbers to see how they’ll impact your payment.

Experienced Homebuyer

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

Homebuyers have trusted Embrace for more than 37 years to find the ideal home loan to fit their unique situation. When you work with Embrace, you’ll be guided through the mortgage process from beginning to closing by a dedicated mortgage expert, many of whom have a decade or more of experience in the industry. Best of all, unlike some other lenders, we can help you close a loan in weeks instead of months.

Plus, we truly care about our customers, and it shows. For two years in a row, Embrace has earned the #1 ranking in customer satisfaction in the Large Mortgage Company category by SocialSurvey. We also have a 5-star Google rating and exceptional reviews on Zillow.

There’s no greater recognition than receiving acknowledgements such as these and a steady stream of glowing reviews from our customers. It’s what we live for, and why we've been a successful mortgage lender for decades.

Frequently asked questions

Which home loan programs can make buying easier?

Sometimes buying a home that fits your needs, budget, and lifestyle can be a challenge. Luckily, we have experience in all types of market environments and with all types of mortgage situations. Embrace has several exclusive loan programs that make buying a home more convenient and doable.

Approved to Move™
When you find the house of your dreams, you want to be ready. With Approved to Move, you get a fully underwritten approval before you find a home. Sellers love Approved to Move because it’s virtually as good as a cash offer, which helps you stand out from other potential buyers.

Guaranteed On-Time Closing (GOTC)
Whether it’s your first home purchase or your tenth, no one wants to miss their closing. With our Guaranteed On-Time Closing (GOTC) program, we’re so confident that we’ll meet the date, we put money on it. $2,500 to be exact.

Extended Rate Lock
Interest rates are always on the move and even a small change can have consequences. Our Extended Rate Lock program gets rid of those worries. We can lock your mortgage rate for up to one year, allowing you to buy or build a home with confidence.

Programs for homebuyers with limited income
Having a limited income shouldn’t stop you from getting a mortgage loan to purchase a home. That’s why we offer Fannie Mae’s HomeReady® and Freddie Mac’s Home Possible®. With these programs, your FICO® Score can be as low as 620 and you can put down as little as 3% — and many types of down payment sources, such as gift funds, are acceptable.

There are a number of good reasons to refinance your mortgage, especially when interest rates are low — and it’s not as complicated as it sounds. We offer several refinance loans, such as our cash-out refinance, debt consolidation refinance, and rate-and-term refinance, along with others.

Want lower monthly payments or a shorter loan term? Play with our refinance calculator to discover how a refinance loan might benefit you.

At Embrace Home Loans, we offer a wide range of loan options — and the expertise to pinpoint precisely which loan is right for your situation. From fixed and variable-rate Conventional mortgages to easier-to-qualify-for loans like FHA insured to VA, Jumbo, and loans for self-employed borrowers. We also offer many proprietary programs that can make buying or refinancing a home easier. And we will not rest until we find the ideal loan for you.
Yes, depending on the circumstances, you can get another VA loan. Normally, if you've paid off your prior VA loan and sold the property, you can have your used eligibility restored. On a one-time-only basis, you may have your eligibility restored if your prior VA loan has been paid in full even if you still own the property. Also, if you still own a property associated with a prior VA loan, you may still be eligible for another VA loan. Contact an Embrace loan officer for more information. You must contact the VA Eligibility Center with the appropriate information in order to have your ability restored, and we can help you with that.
Thinking about making some changes to your home? We can help. We offer two types of 203(k) loans, the FHA Full 203(k) and the FHA Limited 203(k), along with Fannie Mae’s HomeStyle renovation loan. Instead of managing two different loans, you can finance the expense of home repairs or a remodel with one mortgage refinance. And this way, you can take advantage of a low interest rate, too.
The No Down Payment program from Embrace Home Loans is not exclusive to first-time homebuyers – so if you have owned a home previously, you may still qualify. You do need to have a FICO score above 660+ and be looking to purchase a single-family home to take advantage of this program.

We bet you’re a savvy homebuyer, 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 you save time and money. You’ll also get access to their keen negotiating skills and local connections, which can be very important.

Helpful Hints
"This is the second transaction for me. Fast, easy, hit the mark. I wouldn't consider using anyone else!" - Susan, MI
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30-Year Fixed-Rate Purchase Mortgage Example:
*Assumptions. The monthly payment on a $270,000 30 year fixed-rate mortgage at an interest rate of 6.50% with a 90% loan-to-value (LTV) would be $1,706.59 with 2 points due at closing and an Annual Percentage Rate (APR) of 6.784%. Payment does not include taxes, insurance premiums and certain other fees that will result in a higher monthly payment. Assumptions are based on current market rates and other factors. Mortgage insurance may be required for LTV >80%. If mortgage insurance is required, it will increase the APR and monthly payment. Terms are subject to change without notice and may not be available at the time of application. Loan amount and other restrictions may apply in certain areas.