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The financing to help grow your portfolio is here.

Whether you’re just starting out or already a seasoned pro, Embrace Home Loans has flexible options to help you get the financing you need for your next investment property. We’ve even created our one-of-a-kind Beyond by Embrace program to help certain borrowers who may be in more unique financial situations, including those who are self-employed or have a history of foreclosure or bankruptcy, secure a mortgage for an investment property.

For experienced investors, our Debt Service Coverage Ratio (DSCR) loans require no personal income documentation and are a great alternative to hard money loans. Designed for business purposes only, you can qualify for financing with the income from your rental property, so personal tax returns and W-2s aren’t necessary.

Working with a larger budget? We can help with that, too. We have programs that support loan sizes up to $3 million.

If you’re ready to get started, contact an Embrace loan specialist to learn about today’s investment property interest rates or read more below about our various programs.

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DSCR Programs

  • FICO® Scores as low as 660 accepted
  • Personal tax returns and W-2s not required; qualify based on property's rental income
  • Typically lower rates and fees than hard money loans
  • Up to 20 financed properties allowed – many programs limit to six
  • 30-year loan option – hard money loans average 10 years or less
  • Loans for business purposes only – may not be used for personal, family, or household purposes

Frequently asked questions

What does it mean to be pre-qualified?

A simple first step in the mortgage process is getting pre-qualified. Embrace Home Loans can pre-qualify you over the phone or online. We’ll go over your information and discuss your goals. Shortly thereafter you’ll get your pre-qualified amount — the amount for which you might expect to be approved for a loan.
Not only will a good score help you qualify for a home loan, but it will also help you get the lowest rate possible. In fact, your credit score is the most important piece of the puzzle when it comes to your mortgage rate. The higher your score, the lower the interest rate. And on a loan as large as a mortgage, just one percentage point up or down can add up to a significant amount of money.
Your credit score is calculated with a mathematical formula. It uses information in your credit report and compares it to information on tens of millions of other people. The resulting number is a highly accurate prediction of how likely you are to pay your bills. People with the highest credit scores get the lowest interest rates. Your credit score considers both positive and negative information in your credit report. Late payments will lower your credit score, but establishing or re-establishing a good track record of making payments on time will raise your score. Call 800-333-3004 to speak to a Loan Officer to get more information.
Improving your score is not impossible. There are things you can do right now to begin improve your credit score, including:
• Get copies of your credit reports and stay on top of them
• Set up payment reminders and pay your bills on time
• Focus on reducing your debt

Mortgage underwriters are basically interested in two things: can the buyer repay the mortgage and what is the value of the property should the buyer be unable to pay back the mortgage? Knowing this can help you better prepare for the underwriting process.
"In my opinion it’s all about trust. Trust that Vickie is fair and will listen and explain whatever questions I have. It’s not that simple but she makes it seamless." - Fazle, VA
Social Survey Top Mortgage Company Customer Satisfaction 2019
Zillow 5 star rating
Google 4.9 start customer rating

Not a commitment to lend. Conditions and fees apply. Embrace Home Loans reserves the right to cancel this offer at any time. Interest rates are determined on the day you lock your rate. If published rates fall below your locked rate, Embrace Home Loans will allow a one-time offer to re-lock your rate at the lower rate.