Do you have all the right pieces for peak performance?
It's hard to perform your best when something is missing.
Just one missing piece can stop the clock on your loan.
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.
What makes Embrace different?
We could tell you what we think, but in this video, a few Embrace teammates share how they feel. A few things they believe make Embrace different?
- How we care for our borrowers
- Our investment in the growth of our teammates
- The accessibility of our CEO, Dennis Hardiman, and the rest of our leadership
- A strong commitment to innovation, improvement, and support
- The award-winning culture we’ve created
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.
- 34% more dedicated local processors
- 67% more closers
- 300% more underwriting support
- 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!
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.
Paul LaPradeRegional Manager, NE401.529.4415
Tim HigginsRegional Sales Executive/VP443.812.4145
Cary ReinesExecutive Vice President301.980.8805
Jason WillSenior VP of Market Growth813.215.7100
Steve AdamoPresident of National Retail Production401.524.5733
Dana FortinChief Revenue Office/VP401.846.3100 ext. 3470
Catherine MauldinSales Program Leader401.846.3100 ext. 3933
Megan HandyCustomer Experience Director/VP401.846.3100 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.
- Data analysts
- Product specialists
- Direct mail & email marketing specialists
- Digital advertising specialists
- Social media marketers
- Strategy specialists
- Event design managers
- Marketing technology specialists
- Photographers & videographers
- Total Expert – hundreds of co-branded flyers and campaigns, single property websites
- MBS Highway
- Simple Nexus
- Rate Plug
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.
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.Highlights:
- 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
Happy Loan Officers ...
Make Happy Customers
* This information is distributed for professional use and may exclude consumer disclosures.