Embrace Opportunity
Advance your career with tailored growth strategies, expert support, and innovative tools that drive success.
Support That
Sets Us Apart
BE ADAPTABLE
With today's low-inventory, high-rate environment, we had to create some cunning programs to help our loan officers and borrowers thrive.
APPRAISAL WAIVER PROGRAMS
When your borrower has a Property Value Certificate, the seller knows that the value on the purchase offer is certified — and your client can choose to waive the appraisal contingency. And with our Approved to Close Backup Cash Guarantee, they can choose to waive both the financing and appraisal contingencies and guarantee the sale!
APPROVED TO MOVE
With Approved to Move, your clients have a fully underwritten approval that’s virtually as good as a cash offer, helping them stand out to sellers.
GUARANTEED ON-TIME CLOSING
With Guaranteed On-Time Closing (GOTC), if your client misses their closing and it’s our fault, we’ll pay them $2,500 within 30 days of closing. Simply submit the documents within five days of the application, and your client could qualify.
NON-QM LOANS
Beyond by Embrace was created for borrowers who are self-employed, have nontraditional financial situations, or want to purchase investment properties and second homes. With these loans, they qualify by showing cash flow from bank statements instead of tax returns.
AFFORDABLE HOUSING LOANS
Not every borrower has a big down payment or a perfect credit score. We offer affordable loans that fit tight budgets. And under certain circumstances, our underwriting fee and pricing adders are waived!
RATE LOCKS & FLOAT-DOWNS
A float-down lets your borrower change their locked-in rate to the new lower rate — and we now offer not one but TWO float-downs! And with our Extended Rate Lock, their rate is protected for up to 360 days.
“Embrace offers a very supportive and collaborative environment that pushes me to grow and succeed. And because of the team I have supporting me, I’ve been able to offer great service to my clients.”
– Diana Lopez, Senior Loan Officer
MORE PRODUCTS & UNIQUE PROGRAMS
RENOVATION AND REHAB LOANS
We offer FHA Full 203(k), FHA Limited 203(k), and Fannie Mae’s HomeStyle® renovation loans. Improvements can range from minor updates to total fixer-uppers.
FHA LOANS
- Down payments as low as 3.5%
- FICO® Scores as low as 580
- Single-family, multi-unit, condos, manufactured homes
- Down payment can be covered with gift funds
CONVENTIONAL LOANS
- Often cost less than FHA loans
- May make expensive home purchases possible
- Available as fixed-rate and ARM
VA LOANS
- Little-to-no down payment
- Have a government guarantee
- No prepayment penalty
- No private mortgage insurance (PMI)
USDA LOANS
- No down payment required
- Below-market rates
- No private mortgage insurance (PMI)
- No maximum loan limits
HOMEREADY® & HOME POSSIBLE®
We offer two home-buying programs designed for low-income borrowers with down payments as low as 3% and FICO® Scores starting at 620.
DEBT SERVICE COVERAGE RATIO (DSCR) PROGRAMS
- FICO® Scores as low as 660
- Qualify based on property’s rental income
- Up to 20 financed properties allowed
- 30-year loan option
JUMBO LOANS
We’ve created our own simplified Jumbo loans. They’re underwritten in-house, have competitive rates, and a variety of terms.
REFINOW™ & REFIPOSSIBLESM
Our two refinancing programs are designed to meet low-income homeowners’ needs by helping to reduce their monthly payments and offering lower out-of-pocket closing costs.
INVESTMENT PROPERTIES
We have flexible options for investment property financing from traditional loans to DSCR loans, which are a great alternative to hard money loans.
FIRST-TIME HOMEBUYER LOANS
We offer loans tailored specifically to first-time homebuyers. Under certain circumstances, our underwriting fee and specific pricing adders are waived.
CONDOS & CO-OPS
We’re leaders in condo and co-op lending and have an in-house support team with over 30 years of experience, making the process simple and speedy.
BUILDER PROGRAMS
Working with builders is our specialty. We have more to offer you and your customers than other lenders — like local builder-specialized operations and new construction-certified appraisers.
To learn more, contact us.
*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 will allow a one-time offer to re-lock at the lower rate.
You’re a VIP from Day One
Before you even set foot at Embrace, we handle your licensing, introduce you to your support team, and fly you to our headquarters for four days of VIP treatment and hands-one training.
How We Stand Out
At Embrace, we’re not just about mortgages, we’re about making homeownership personal, accessible, and extraordinary.
98%
Customer satisfaction means more referrals.
19-year
Average executive tenure ensures stable leadership.
Classic Mortgage Solutions Stack Your Success
Leadership That Truly Listens
We’re committed to fostering a culture where your thoughts and ideas are important.
Frequently asked questions
Embrace reimburses 60% of your marketing expenses and provides access to a full-service marketing team that handles digital ads, social media, events, and custom strategy—all designed to grow your business.
Our onboarding process begins before your first day and includes licensing support, tech setup, and hands-on training. Most loan officers are ready to originate within a couple days.
Our culture, core values, and commitment to innovation set us apart. From direct access to leadership to our team-centric environment, we empower every loan officer to thrive.
We offer competitive compensation, performance incentives, and a comprehensive benefits package that supports both your professional success and personal well-being. Benefits include medical, dental, vision, life insurance, 401(k) plans, flexible spending accounts, employee assistance programs, and more.
Embrace Home Loans is an independent mortgage lender with a long-standing track record of stability and growth. We specialize in personal, accessible lending experiences and have grown into one of the country’s fastest-growing home lenders. We maintain our headquarters in Middletown, Rhode Island and continue to expand our reach along the East Coast.
Ready to Accelerate Your Career?
Get started with a custom growth plan:
- Tailored roadmap to accelerate your career
- One-on-one coaching for every step
- Innovative tools to drive your success
