Embrace Home Loans can help with all your home financing needs, whether you're looking to buy or refinance. Visit our office in person, or give us a call to see how we can help you. www.embracehomeloans.com
Company Overview: A+ Rated BBB and Equal Housing Lender. Embrace Home Loans is licensed in 46 states. Since 1983, we have helped hundreds of thousands of individuals and their families purchase new homes, lower their monthly payments, and consolidate high-interest debt so they can enjoy some extra spending money. In the last 12 months, our mortgage specialists helped arrange close to $3 billion in homeowner loans - in person, over the phone, and online! We have the experience and the resources to be your mortgage lender for the long haul. When you work with Embrace Home Loans, there's no middleman; Embrace is a direct lender. We don't make decisions exclusively based on your credit history, because we want to lend to people, not numbers. You won't pay an application fee, and we arrange your entire loan over the phone with the option to close in as few as 21 days. From our corporate headquarters in Rhode Island, we employ approximately 400 Mortgage Specialists and supporting staff to provide you with the personalized home financing you need to reach financial stability and achieve your dreams. From our 20 Retail Branch Locations, you work directly with a Loan Officer in your area or state. Our Embrace Home Loans Mortgage Specialists will be happy to lend you a hand in choosing the right loan product for your situation. We are an active member of the Mortgage Banker's Association of America. We are an Equal Housing Lender and an accredited business of the Better Business Bureau. Are you ready for a new beginning? You deserve it. Give us a call today or fill out our quick, no-obligation, and confidential form online – www.embracehomeloans.com
Working alongside someone who finds great purpose and meaning in their job can inspire you to seek the same sort of fulfillment in your own day-to-day.
According to Senior Loan Officer (Retail), Larry Montecino, that's exactly the impact Retail Processor Cristi Miller has:
"Cristi is dedicated not only to her job, but to our clients, doing all she can to help them achieve their dream of homeownership."
Don’t forget — Father’s Day is on Sunday, June 16! Here are some gifts that are sure to please even the most discerning dad. #fathersday #gifts #tips #EmbraceHomeLoans
embracehomeloans.com When it comes to gift giving, dads can be a challenge. To make this Father's Day easier, here are some gifts that are sure to please even the most discerning dad. 1. For a Laugh If you're looking for a little gift with big laughs, Elias Hill's book "101 So Bad, They're Good Dad Jokes" is just
Should agents feel threatened by this new approach to selling real estate? Here’s everything you need to know about iBuyers — and what they mean for your market. 📱 #realestate #realestateagent #realtor #home #market #EmbraceHomeLoans
embracehomeloans.com iBuyers are the talk of the industry lately, and it’s no wonder. In just Phoenix alone, iBuyers have accounted for more than 7,600 transactions since 2017. They’re also accounting for about 10 percent of all institutional investments, too. And they do it all without agents.
From gravel and brick to asphalt and pavers, homeowners these days are choosing all types of stone, materials, and styles when creating their dream drives — and the results are striking. Want to try something new with your driveway re-do? Check out your options.
embracehomeloans.com Boring old concrete isn’t the only option when you’re re-doing your driveway. From gravel and brick to asphalt and pavers, homeowners these days are choosing all types of stone, materials, and styles when creating their dream drives — and the results are striking. Want to try something new wit...
Another happy client makes for a great day. Thank you for your dedication and drive, Heidi! ⭐ ⭐ ⭐ ⭐ ⭐
#FiveStarLender #TestimonialTuesday #EmbraceTeam #EmbraceHomeLoans
Community values people and relationships over all else. It's about being "in it together."
Keith Pyatak, Team Leader of Financial Institutions Group - Rockland Trust, acknowledges Senior Closing Officer, Shannon Timek, for exemplifying this value at EHL:
"Shannon always eagerly steps up to the plate to help whenever she can. She faces challenges head on and always is helping others around her be their best and most efficient."
Kudos to you, Shannon!
With the demands of your day-to-day life, keeping your house clean and tidy can be pretty darn hard. We tried to make things a little easier for you with these printable chore lists, broken down by daily, weekly, and monthly tasks. ✨
#home #chores #cleaning #tips #EmbraceYourSpace #EmbraceHomeLoans
embracehomeloans.com It’s hard running a household. There are multiple bedrooms, bathrooms, and living areas to clean — not to mention all the appliances, systems, and safety features you have to keep up with. Throw in the family and pets you’re taking care of, your job, and just the day-to-day
Achievement is about seeing a task or project through to the end--even if the road to get there is bumpy and uncertain at times. According to Quality Control Analyst Annette Gaines, it's a value Compliance Officer Sue Riberdy holds in high regard:
"No matter how difficult a QA situation can become, Sue always focuses on the upside of how to get it done and achieve the ultimate goal."
Stop calling your plumber every time your drain gets clogged! Whether you have a clogged sink, shower, tub, or toilet, here are a few things you should try first before you pick up that phone. #plumbing #DIY #tips #EmbraceHomeLoans
embracehomeloans.com When it comes to being handy around the house, there are two areas where many of us tend to shy away — electrical work and plumbing. While anyone who's ever received an electric shock understands the risks of doing that type of work, basic plumbing is something just about anyone should be willing ...
If you’re a real estate agent, you know you need to dress to impress — but striking that delicate balance between function and fashion can be challenging. Here’s how to build your professional wardrobe (without breaking the bank). 👔 👚
embracehomeloans.com Real estate agents are in a unique spot when it comes to their wardrobes. For one, they need clothing that works in all conditions, all seasons, and both indoor and outdoor. On top of this, they also need to dress to impress (after all, their clients have thousands of
And that we are. 🇺🇸 #thankful #grateful #forever #MemorialDay #EmbraceHomeLoans
IS Administrator/Business Analyst, Vik Nakhnikian, feels empowered to succeed by Vice President of IS, John Bronson, each and every day:
"I'd like to recognize the empowerment you give us to perform our jobs and lead by example. Leading is not always telling people what to do, it's inspiring them to be leaders and self-starters. That's what you do. Thank you."
Vice President of Information Services, John Bronson, gives kudos to Application Developer II, Brendan Gerlach, for being a true Embrace innovator:
"Any time an issue comes up, Brendan goes out of his way to research solutions and typically comes up with a great and innovative fix."
In caring for our homes, we try to keep our eyes on every nook and cranny — but we often forget to look up. Watch out for these signs that it may be time to invest in a new roof. #roof #repair #home #tips #EmbraceHomeLoans
Are you thinking of hosting a first-time buyer seminar to connect with up-and-coming clients in your area? Here are some tips that can help.
#HomeBuyer #Seminar #Tips #EmbraceHomeLoans
A recent study found that nearly 60% of 18 to 23 year-olds want to buy a home in the next five years. Are you one of these go-get-em Gen Zers with dreams of homeownership? These savings tips can help. 💲 🏡 🎶
#home #firsttimehomebuyer #saving #tips #EmbraceHomeLoans
A big thank you to Cody for conducting business with punctuality, professionalism, and ease! ⭐ ⭐ ⭐ ⭐ ⭐
#TestimonialTuesday #FiveStarReview #EmbraceTeam #EmbraceHomeLoans
The bill for household cleaning products can really add up fast — especially if you’re using brand-name products or items designed for one or two specific uses. Want to rein in your cleaning costs? Avoid these wasteful products starting now.
#HomeTips #SmartSavings #EmbraceYourBudget #EmbraceHomeLoans
It's imperative to feed the soul — otherwise, you will always be left with a sense of hunger. ✨
#MotivationMonday #SoulFood #EmbraceHomeLoans
Marketing Operations Manager/VP, Brad Cardwell, gives a well-deserved shout-out to Nicole Hawkins, Retail Support Manager, for her fearless leadership:
"Nicole has shown great strength in facing many changes in this new year--her courage shows up in many ways--and allows her to lead her team with confidence and empower those around her."
Embrace Underwriter, Michelle Baker, appreciates Senior VP of Operations, Claudia Mobilia, for her commitment to loving leadership:
"Claudia creates a loving, caring environment from day 1; I felt the Embrace love."
The struggle was real! #TBT to landlines, phone nooks, and dial-up internet. 📞
#AOL #YouveGotMail #MomImOnThePhone #EmbraceHomePhones
Are you playing host or hostess over the Memorial Day holiday? Here’s what you should be doing this weekend to get ready for the long weekend after that. 🇺🇸 #MemorialDay #BBQ #Tips #EmbraceHomeLoans
If you’ve started looking into your mortgage options, you’ve probably encountered the terms “APR” and “interest rate” somewhere along the way. But which one should you be looking at when shopping for your mortgage? Let’s break it down before you start seeing spots!
#APR #InterestRate #Finance #Tips #EmbraceHomeLoans
There are few industries as perfectly suited to Instagram as real estate. Want to capitalize on this potential and use Instagram to boost your leads as an agent? Here’s how. 📈
#realestate #realtorlife #instagram #leads #tips #EmbraceHomeLoans
Reviews like this are why we do what we do! Buying your first home should be one of the best memories in your life — thank you for being so great, Donny!
⭐ ⭐ ⭐ ⭐ ⭐
#TestimonialTuesday #Reviews #FiveStarLender #EmbraceTeam #EmbraceHomeLoans
Just because you’re saving up to buy a house doesn’t mean you have to penny-pinch at every turn. Even more importantly? It doesn’t mean skipping that much-needed summer vacation either. ☀️😎 #finances #vacation #tips #EmbraceHomeLoans
Why be mediocre when you can be amazing?! #beyourbest #hustle #goals #MotivationMonday #EmbraceHomeLoans
Learning Specialist 2, Mike Jewell, honors Retail Loan Officer, Ramsey Davies, for helping fulfill a family member's dream of purchasing a new home:
"Thank you for helping my wife's cousin purchase a new home for her move to Georgia following a promotion. Though he encountered repeated changes of scenario and finances, Ramsey persevered and made it happen. Ramsey is a loan ninja!"
Way to go, Ramsey!
"Alone we can do so little; together we can do so much." -- Helen Keller
At Embrace Home Loans, we couldn't agree more--the sense of community our teammates enjoy really is what drives us. Here, we aren't just coworkers; we're partners, collaborators, friends, and even family.
This week, Quality Assurance Post Closing CD Auditor, Laura Sullivan, recognizes Quality Control Audit Specialist Diane Blais-Cape for empowering others through the Embrace value of Community:
"Diane is always willing to help with any questions/issues I have nomatter how difficult it is, and she is always patient and kind."
With mortgage rates dropping in the first quarter of the year, the number of homeowners refinancing has steadily climbed. If you’re not sure that refinancing is right for your specific situation, just ask yourself these questions to find out.
If you've never mowed a lawn before, it's not complicated — provided you have a good working knowledge of the basics. ✂️ 🌱
Hiring a professional photographer is a great first step to securing eye-catching listing photos, but at the end of the day, photographers can only work with what you give them. The true key to jaw-dropping listing photography? That lies in the staging. #realestate #listing #photography #staging #EmbraceHomeLoans
Another happy client makes for a great day. Thank you for your smooth and quick process, Sam! ⭐ ⭐ ⭐ ⭐ ⭐
#FiveStarLender #TestimonialTuesday #EmbraceTeam #EmbraceHomeLoans
Are you struggling with a lack of storage in your house? Just want to make some room or better organize your belongings? Try these handy storage hacks on for size.
Stuart Carter, Junior Allocations Analyst, honors Allison Rodgers, Loan Delivery Associate, for living the value of Achievement:
"Way to go in your pursuit and growth in the BOND world. You had a goal, and you achieved that goal! Keep in mind your achievements, and be encouraged by them as you continue to learn and grow."
Business Development Manager & Loan Officer, David Aikman, believes great leaders empower others. This month, he's acknowledging Embrace CEO, Dennis Hardiman, for his remarkable dedication to empowering each and every member of the Embrace family:
"Dennis--thank you for your leadership and for allowing our company to grow through empowering your team, selecting the best talent, and being visible and available. You are appreciated!"
Before you decide where to retire, there are some important questions you need to ask yourself. Weigh these 13 factors as you begin your search. #retirement #tips #EmbraceHomeLoans
When it comes to outdoor cooking, there are a lot of great products with a wide range of features and functionality to choose from. If you're in the market for a new barbecue grill this summer, here are four of the best options available.
Location plays a big role in a real estate agent’s career. Want to know which locations are best for today’s agents — and which ones to avoid? Read this quick round-up. #agent #realestate #location #EmbraceHomeLoans
We amour, Amore! ⭐ ⭐ ⭐ ⭐ ⭐
#TestimonialTuesday #FiveStarReview #EmbraceTeam #EmbraceHomeLoans
Laundry rooms are one of the most in-demand home features around right now. Want to transform your space into the laundry room you’ve always wanted? Here are some simple, DIY ways that won’t break the bank. #renovation #laundryroom #inspo #EmbraceHomeLoans
Because the bird who flies the highest is the one who, more often than not, has grass stains on his belly. 💫 #MotivationMonday #Success #EmbraceHomeLoans
Embrace employees strive to develop products and services that will not only meet customer expectations today, but furthermore, adapt to their ever-evolving needs tomorrow. That's why innovation is one of our seven core values; and when we see one another living this value to the fullest, we are quick to recognize one another for it.
This week, Retail Branch Manager, Michelle Solomon, applauds Producing Sales Manager, John Harrington, for incorporating innovation into his strategy for self-improvement and business growth:
"John has been open to coaching and is always looking to find a way to improve. He is a leader in Facebook Live and [developing] new ways to promote himself and his business."
Courage is the value we must call upon when we are feeling vulnerable; and while it is not always easy to be courageous, it is essential to reaching our full potential.
Sales Product Owner, Doug Desmond, recently honored Beth Sholar, CRM Development & Implementation Director, for her outstanding commitment to leading with courage:
"Beth, thank you for always having the courage to stand up for what is right and good. Your management of the Salesforce Team/Project is inspiring."
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Carolyn Flitcroft - Senior Home Loan Consultant - NMLS #389312 (www.nmlsconsumeraccess.org) Equal Housing Lender
Lendingmonk.com empowers consumers to make smart mortgage decisions and save thousands of dollars on their home mortgage.
Atlantic Coast Mortgage - Loudoun Branch NMLS ID #1167353
Greg Leszczak NMLS #268208 Ark-La-Tex Financial Services, LLC Equal Housing Opportunity http://www.nmlsconsumeraccess.org/
Intercoastal Mortgage Company offers a complete menu of options from conventional to VA and FHA loans; jumbo and super jumbo loans; construction and renovation loans and bridge loans. We also originate Second money trusts and HELOC.
Atlantic Coast Mortgage, LLC is an Equal Housing Lender LO NMLS # 529694 Branch NMLS ID #1167353|Company NMLS ID #643114 (www.nmlsconsumeraccess.org)