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Does your lender always provide everything you need quickly and accurately? As you know, one missing piece can slow down the entire mortgage process. At Embrace, we’ve been closing loans since 1983, and you might say we run like a Swiss watch. But this doesn’t mean we’re content to sit still — we’re constantly making improvements and boosting our performance. Recently, when business escalated, we hired 34% more processors, 67% closers, and 300% more skilled underwriters. Today we are talking about underwriting in hours, not days.

Our loan officers frequently break records. Why? Because when it comes to growing your business, we’re light-years ahead of the competition. You get dedicated local processors, junior loan officers to assist you, a fast track for priority loans, and career-building opportunities. You’ll have direct access to leadership, including our CEO, because here, loan officers never take a backseat.

Don’t worry, we also know there’s more to life than just business. We offer paid volunteer hours for community outreach and give you more flexibility, so you have time to pursue other interests outside of work, too.

Schedule a confidential conversation today.

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About Us

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Culture & Community

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Customer Relationships

Do you have a mobile app?

Do we ever! Our eSNAPP mobile app will change the way you do business. With eSNAPP, you can take care of the entire loan process from anywhere, anytime. Want to make life easier for you, your customers, and your REALTORS®?

Do all this and more:
  • Group chat with your customer and REALTOR®
  • Review your borrower’s application and provide guidance
  • Run cost scenarios on our calculators
  • Receive docs and send pre-approvals on the go
  • Send real-time updates and reminders

Are your turn times faster?

Recently, when business increased, we added more experts and new procedures to streamline our process. Today, our turnaround times are some of the best in the industry.

We hired:
  • 34% more dedicated local processors
  • 67% more closers
  • 300% more underwriting support
We also introduced:
  • 24-hour purchase decisions
  • 72-hour refinance approvals
  • CDs delivered seven days in advance of closing

How does onboarding work?

When you switch to Embrace, you won’t lose anything during the changeover. As soon as you accept our offer of employment, we jump into action to create a seamless transition. Our licensing department will take care of all the licensing for you — and we have solutions in place to support your customers starting on day one!

Dedicated onboarding support

We’ll set you up with a Business Integration Manager who oversees the assimilation of your business and supports your onboarding process. Your onboarding partner will be your cultural, systems, and product liaison who will work to introduce you to all of our internal teams and additional support staff in credit, pricing, marketing, human resources, facilities, technology, and more.

Even our marketing team gets started before you do. They get right to work ordering business cards, writing a bio, and creating communications about your move to Embrace.

Will I have more access to leadership?

A lot of companies say they have an open-door policy. We can’t because our CEO doesn’t have an office. He can be found on any given day sitting somewhere at an empty cubicle. He forfeits the comfort of an office to get close to our teammates and to make himself accessible. It starts at the top — all of our sales leaders are a phone call away.

  • Dennis Hardiman
  • Paul LaPrade
    Regional Manager, NE
  • Tim Higgins
    Regional Sales Executive/VP
  • Cary Reines
    Executive Vice President
  • Jason Will
    Senior VP of Market Growth
  • Steve Adamo
    President of National Retail Production
  • Dana Fortin
    Chief Revenue Office/VP
    401.846.3100 ext. 3470
  • Megan Handy
    Customer Experience Director/VP
    401.846.3100 ext. 3961

How can your marketing improve my business?

When it comes to cultivating business, we go the extra mile. You’ll get an award-winning marketing team, along with more REALTOR® connections. Each month, you’ll earn up to $4,000 in “marketing dollars” based on the number of loans you close. These dollars can be used in a variety of creative ways to promote your business.

Every loan officer is supported by their own marketing coordinator and a diverse team of:
  • Copywriters
  • Data analysts
  • Product specialists
  • Designers
  • Direct mail & email marketing specialists
  • Digital advertising specialists
  • Social media marketers
  • Strategy specialists
  • Event design managers
  • Marketing technology specialists
  • Programmers
  • Photographers & videographers
Embrace offers top industry marketing tools, such as:
  • Total Expert – hundreds of co-branded flyers and campaigns, single property websites
  • MBS Highway
  • BombBomb
  • Simple Nexus
  • Rate Plug
More Connections

We work with real estate agencies in specific areas, bringing in dozens of additional local customers. We also produce ongoing digital brand advertising that targets the real estate agents in your market — and these ads have been proven to generate a lot of interest and engagement.

How does Approved to Move™ work?

Unlike a typical pre-approval, Approved to Move™ is fully underwritten before your client starts house hunting. All of your client’s information is verified — bank records, tax statements, income, assets, credit scores — and good for 90 days. The only thing they need to do is find their dream home.

Sellers love Approved to Move™ because it’s virtually as good as a cash offer and all but guarantees a quick closing.

What is Guaranteed On-Time Closing (GOTC)?

With so many moving parts in a mortgage, your client relies on you to make sure everything runs smoothly and efficiently. At Embrace, we’re so confident in our ability to close on time, we put money on it — with our Guaranteed On-Time Closing program. If for any reason your client’s Conventional, VA, or FHA purchase loan doesn’t close on time and it’s our fault, we’ll pay them $2,500 within 30 days of closing.

You can’t put a price on peace of mind, but our $2,500 guarantee helps clients feel a lot more comfortable.

What additional products and programs does Embrace offer?

You can have all the talent in the world, but if you don’t get the products and support you need, you’ll never be able to take your business to the next level.

More products and unique programs

In addition to all of the traditional mortgages, like Conventional, FHA, VA, and USDA, we give you more exclusive programs and products to help grow your business. You’ll be able to offer your clients:

  • More competitive rates
  • Conventional (up to 97% loan-to-value)
  • FHA, VA, and USDA loans
  • Jumbo loans up to $2.5M (determined by down payment)
  • Affordable Housing
  • HomeReady/Home Possible
  • State-specific homebuyer programs
  • Extended Rate Lock
  • Approved to Move™ pre-approvals – the next best thing to a cash offer
  • 203(k) renovation and rehab loans
  • Bank statement loans for self-employed borrowers
  • Options for borrowers with a history of bankruptcy
  • Investment property programs up to $3M

Tell me more about your programs for self-employed borrowers?

Other lenders don’t often recognize the nuances of everyone’s unique financial situation. That’s why we introduced Beyond by Embrace, a program offering purchase and refinance loan options designed for borrowers whose circumstances may prevent them from securing financing with a more traditional lender.

Beyond is designed for self-employed borrowers who can show business cash flow or qualifying income on bank statements instead of tax returns. It’s also great for borrowers with some history of credit events, including bankruptcy, prior foreclosure, modification, short sale, or deed in lieu on their credit.

  • Loan sizes up to $3M
  • FICO® Scores as low as 660 accepted
  • Loan-to-value (LTV) ratio up to 80%
  • Purchase, rate and term, and cash-out refinance options available
Social Survey Top Mortgage Company Customer Satisfaction 2019
Zillow 5 star rating
Google 4.9 start customer rating
Fortune best medium-sized companies to work for 7 times
Inc 5000 America's fastest growing companies 6 times
PBN best places to work in Rhode Island 16 times

Happy Loan Officers ...

"I’ve never worked at an organization that’s been so good at hearing the voices of its loan officers and branch managers. I think it’s a culture thing. At Embrace, we focus on the actual client experience and take customers’ concerns to heart. We move mountains to make it happen." - Thomas B. Trott, Jr., Branch Manager

Make Happy Customers

"Great and simple experience. If I had a issue I could ask and was guided down the right path." - Drew, VA

* This information is distributed for professional use and may exclude consumer disclosures.

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We have loan officers licensed throughout the country.
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Embrace Community
Giving back to the community is part of our culture.