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
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."
Really want to show your favorite lady you care this year? Don’t phone it in with store-bought flowers or a sappy Hallmark card. Instead, give her something she can really use. Not sure where to start? Here’s some inspiration.
If you’ve only ever lived in small, cramped apartments, you may have never had the chance to throw a dinner party for friends and family. What does it take? What should you serve and how can you ensure the soiree is a success? ✨ #dinnerparty #tips #EmbraceHomeLoans
It’s imperative that our clients not only enjoy their home buying adventures, but fully understand the process as well. Thank you, Matt, for consistently providing a five-star experience! ⭐ ⭐ ⭐ ⭐ ⭐
#TestimonialTuesday #FiveStarReview #EmbraceTeam #EmbraceHomeLoans
Nearly every agent will change brokerages at least once in their career. Are you planning an agency move this year? Just want to be ready in case you do? Here are some templates to use when the time arrives. #agent #realestate #tips #EmbraceHomeLoans
Looking to declutter and make a little extra cash in the process? With spring in full swing, a good old fashioned yard sale might be just a thing you need. #yardsale #declutter #embracehomeloans
It’s important to be mindful — the area you pour your energy into is the one that will flourish! 🌱 #MotivationMonday #TheGrassIsAlwaysGreener #Energy #EmbraceHomeLoans
As a foundational strength to lifetime achievement and happiness, love is not only critical to providing top-notch service to our customers; but furthermore, it is absolutely crucial to optimal employee engagement, performance, and satisfaction. At Embrace, we believe so strongly in the power of love that we consider it to be one of our core values.
This month, Staff Accountant, Shelly Stanley, acknowledges Accounts Payable Specialist, Elizabeth Hunt, for embodying love day-in-and-day-out:
"Liz always goes out of her way to help a teammate out. She cares both on a personal and professional level. Such a pleasure to work with."
We hope you have a wonderful Easter with the people you love (yes, even your favorite cousin Greg).🐰
Could radon be in the home you’re looking to buy? What if it is? How can you protect yourself and make sure your health isn’t at risk? This guide can help.
#radon #health #home #EmbraceHomeLoans
Fulfillment comes from deep satisfaction or happiness that is in alignment with one's values and purpose. Fulfillment in the workplace creates a positive energy, an aliveness, and sense of accomplishment, which lead to more rewarding experiences and greater productivity.
Underwriter Tara Thomas appreciates HR Benefits Administrator, Ashley Chasse, for all she does to create fulfilling experiences for Embrace employees:
"Ashley is always willing not only to answer all questions or concerns, but does so with a caring, cheerful attitude and makes sure not only you have your answer but understand it and how to use tools available to guide yourself. She is truly awesome to deal with. Always a pleasure!"
The best way for builders to entice homebuyers away from resale (and over to new construction) is to simply tune in to their ever-evolving tastes and preferences.
Are you an introverted real estate agent? Here are some tips that can help you succeed — especially when the job might bring you outside your comfort zone.
What a great way to start the day. Angela, thank you for giving your client such a creative and positive experience! ⭐ ⭐ ⭐ ⭐ ⭐
#TestimonialTuesday #FiveStarReview #EmbraceTeam #EmbraceHomeLoans
Because you NEVER know what can happen. ✨ #MotivationMonday #TigerWoods #TheMasters #YouNeverKnow
Are you looking for a splash of green to brighten up your home or office? Try one of these 16 plants — they’re easy to find and even easier to care for. 🌿
embracehomeloans.com Are you looking for a splash of green to brighten up your home or office (...or home office)? Have you tried growing house plants in the past...only to succeed in killing them? Don't worry — these 16 plants are easy to find and even easier to care for. African Violet (Saintpaulia).
US National Weather Service Baltimore/Washington
Severe weather will become increasing likely late this aftn/early evening & again overnight. Area residents should monitor the weather and seek safety indoors if thunderstorms approach. Make sure you can still receive warnings when you go to bed tonight.
Community values people and relationships over all else. It is about being "in it together." Community creates unity through mutual care, kindness, and respect. It creates a sense of belonging as well as a want to belong. Community fosters collaboration, partnership, and teamwork.
Underwriter Karen Marcucio honors Underwriting Manager, Pat Kennedy, for living into the Embrace value of Community as a true leader and friend:
"Pat is a true example of what represents community. Pat is the "fearless" leader of our team--he keeps us all 'in the loop' and keeps our team connected and working together like a well-oiled machine. We all respect one another and help one another and truly enjoy working together. Thank you, Pat."
Working with a great real estate agent and getting pre-approved for your mortgage are all important (and well-known) steps for first-time homebuyers. But there’s also a lesser-known must-do for first-timers that’s not as highly publicized.
Achievement, when focused upon, brings into view what we want to create. In its pursuit, we encounter the forces, within and without, that need to be overcome, and when conquered lead to growth. It is through a clear focus on accomplishment, articulated as goals, that we meaningfully contribute, learn, and grow.
Retail Processor, Laurie Ruth, recently recognized Richard Williams, Senior Loan Officer, Richard Williams, for his outstanding commitment to the Embrace value of Achievement:
"Richard always goes the extra mile for his clients. His knowledge of the business is superb . His dedication and commitment is the foundation of his success. Congratulations, Rich, on making the President's Club for your 4th year in a row. Your achievements to the Embrace Team are outstanding."
Most people are pretty clear on how buying a resale property works. New construction, though? That’s where homebuyers get held up. If you’re a builder, you need to be sure you’re educating potential buyers on the topics they’re most concerned about. 🔨
Fraud is a rising problem in the real estate world, but as an agent, you have the power to protect your clients — and your business.
There is no better time than homeownership time! A big thank you to Lou for always being there and providing his customers with a great experience.
⭐ ⭐ ⭐ ⭐ ⭐ #FiveStarLender #TestimonialTuesday #EmbraceTeam #EmbraceHomeLoans
Because success can start with a dream, but rarely ends with one.💫 #hustle #goals #motivationmonday
Is cleaning your gutters on your list of spring maintenance tasks? Here’s how to do it the right way. #tips #embracehomeloans
Empowerment promotes self-actualization. It gives individuals both the opportunity and the responsibility to take initiative and make decisions. Empowerment perpetuates engagement by encouraging creative and resourceful thinking.
Doug Desmond, Sales Product Owner, honors Director of Talent Development, Julie Chipman for her dedication to the Embrace value of Empowerment:
"Julie, thank you for your trust in me and your guidance when navigating difficult situations."
Many homebuilders are now offering “smart home” packages, but the truth is, not all smart technology is created equally. Which ones should you focus your building and design efforts on? Let’s break it down. #technology #home #embracehomeloans
Real estate agents: Want to survive the busy season in one piece? Here are some simple, affordable, and effective ways to practice self care — no matter how strapped for time you might be.
If you tried Marie Kondo’s KonMari Method and struggled with the “does it spark joy?” question, this blog post is for you. #declutter #springcleaning #embraceyourspace #embracehomeloans
Fido and Fluffy might be your best friends, but there’s no doubt about it: they'll make selling your home a little bit more difficult. Don’t want your pets dashing your chances of a quick and profitable sale? Just follow these easy steps. 🐾
In honor of April Fools Day, don’t forget to let your hair down every now and then! Work hard, play hard 😋#motivationmoday
Innovation is significant and positive change. It results in constant and never-ending improvement through free and forward thinking. Innovation challenges the status quo in all that we do. Being adventurous, creative, and open-minded, we embrace and drive the change that leads to innovation.
Compliance Officer, Sue Riberdy, praises Director of Legal & Regulatory Affairs, Ben Giumarra, for his tireless commitment to innovation:
"Although he may not think I appreciate his drive to use Skype and SharePoint, they have changed QC (Quality Control) for the better. Efficiency and consistency are key! Honestly--not kicking and screaming--just old dog, new tricks."
Courage is the catalyst for positive change and growth. It is the fulcrum for evoking transformation. Courage enables us to overcome our fears, to be ourselves, and to stand for what we believe. Courage allows for authenticity, integrity, and transparency in all relationships.
Retail Branch Manager (West Springfield, MA), Heidi Leonard, honors Michelle Winiewicz, Regional Retail Administrative Assistant for truly living into this value each and every day:
"Michelle has been a positive force with the change of our office location. She is an extraordinary employee and reflects Embrace's core values."
There’s a lot to consider when you’re figuring out how much your home is worth. Try some of these ways to estimate the value of your property.
If you just bought your first home — or you’re planning to soon — don’t forget to hit up your local library and grab these great reads for first-time homeowners.
Are you looking for some inspiration after a long and grueling day? Just need a little motivation or a break from the daily grind? These TED Talks for real estate agents can help. #TedTalk
Want to make sure your upcoming move doesn’t break the bank? We’ve got some tips to help you out.
Many homebuyers only consider the costs of the house they’re purchasing — the down payment, the closing costs, the monthly mortgage payment, etc. But actually moving to that new house? Well, that’s costly, too.
Moving requires everything from boxes a...
A little something to get you fired up for a productive Monday. 🔥 #motivationmonday #embracehomeloans
Love is the currency by which virtues like empathy, compassion, generosity, service, patience, perseverance, forgiveness, and truthfulness transact. It connects us to others and is required for existing for a purpose beyond ourselves. It places us at our best and enables the best in others.
We're LOVING Facilities + Branch Services Coordinator, Katie Wignall's shout-out to Melanie Sage, Reception Supervisor:
"Mel is always quick to offer help, take on additional tasks, and assist as quickly as possible. She is generous and empathetic and a great teammate!"
Are you attending any open houses as part of your home search? You want to make sure the property meets your needs and requirements as a household, but you should also be on the lookout for the opposite — signs that it might not be as great as it all seems on the surface.
Attending industry events is a great way to stay abreast of changing trends, keep up with the latest technology, and network with potential partners and vendors. Not sure which events you should attend this year? We’ve rounded up your 8 best bets.
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Atlantic Coast Mortgage - Loudoun Branch NMLS ID #1167353
Intercoastal Mortgage Company (ICMTG) offers competitive pricing and cutting edge programs to meet all your home buying needs.
Atlantic Coast Mortgage LO NMLS # 194938 | Company NMLS ID #643114 (www.nmlsconsumeraccess.org)
Atlantic Coast Mortgage, LLC is licensed to serve D.C. Metro, MD, VA area & DE real estate markets. Company NMLS ID #643114 (www.nmlsconsumeraccess.org).
Mary Krueger, Branch Manager with Movement Mortgage. Licensed in VA, DC and MD.
Atlantic Coast Mortgage, LLC is an Equal Housing Lender LO NMLS # 529694 Branch NMLS ID #1167353|Company NMLS ID #643114 (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.
As an experienced LO, I have the knowledge and expertise needed to make sure you obtain the best financing available. Exceeding expectations is my passion.