Embrace Home Loans, Inc., Middletown, RI

Middletown, RI

4.92

(76,472)

Mortgage

Mortgage Loan Officer

Contact Info

(800) 333-3004

Middletown, RI

https://www.embracehomeloans.com

Location & Business Hours

Business Hours

Tues

9 AM to 5 PM

Wed

9 AM to 5 PM(Open now)

Thu

9 AM to 5 PM

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4.92

(76,472)

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5 Star

96%

4 Star

3 Star

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1 Star

so nice and easy to work with. Made the entire process really smooth

Reply from Susan Colella

July 15th, 2026 01:15 AM

Thanks so much Gina. You two had perfect timing! Have a great summer! Always a pleasure to work with you and Michael.

Bottom Line Up Front: Pat will get you closed on time with favorable rates and costs. He will also spend a lot of time educating you on the market, the process, and the decisions you'll need to make. Some lenders will simply provide you with...

Reply from Owner

August 5th, 2026 12:00 AM

Thank you so much Marc! I truly enjoyed working with your family and please stay in touch! I am always here to help.

Very helpful and easy to work with.

Reply from Owner

July 15th, 2026 04:26 PM

Thank you, Tina, for sharing your experience. I'm pleased to hear that you found working with me and my team helpful and easy. If there's anything else you need, feel free to reach out.

Everything was very straightforward and easy for first time home buying.

Reply from Wayne Palkovic

July 15th, 2026 04:27 PM

I'm pleased to hear that your first home-buying experience was straightforward and easy, Kristina. It's important to me to make the process as smooth as possible. If you have any further questions or need assistance, feel free to reach out.

Ryan was not only professional from start to finsh with my client, but he went above and beyond and was able to close the loan earlier than originally projected. My buyer who has bought before was raving about the entire process with him and...

Vicky was available whenever we needed her and was very good about answering our questions. She went above and beyond what I had expected 😊

Reply from Victoria Kiser

July 15th, 2026 02:01 AM

Michelle, Thank you so much for your 5-star review! I am pleased to hear that I exceeded your expectations, as that is always my goal! All the best to you in your new home!

If I could give Ryan Hoffman and his team more than 5 stars, I absolutely would.Having purchased a home before, I know firsthand how stressful the mortgage process can be. My previous experience with another lender was frustrating, poor communication,...

My experience working with Ryan, Michelle, and Laurie was exceptional from beginning to end.I've purchased a home before, and unfortunately my previous lender made the process incredibly stressful due to poor communication, delayed responses,...

Reply from Ryan Hoffman

July 20th, 2026 08:11 PM

Nichole, I’m truly grateful for your kind words and for sharing your experience. It’s wonderful to hear that the service provided by Michelle, Laurie, and myself made your home-buying process smooth and enjoyable. Your trust and recommendation...

Cara was incredible. She was always available, explained everything thoroughly, and was always in our corner when we needed her. She is the only loan officer we would ever use!

Reply from Cara Cunha

July 20th, 2026 08:06 PM

Justin, thank you for your wonderful review. I'm glad to hear that you felt supported and well-informed throughout the process. It's truly rewarding to know that you trust me with your loan needs. If there's anything else I can do for you,...

Donny Panasis has received a review with 5 star rating from Elliot C

Reply from Owner

July 18th, 2026 12:20 AM

Elliot, I appreciate your feedback on the fast and professional communication and service. It's great to know that these aspects of my work made a positive impact on your experience. If you need any further assistance, feel free to reach out....

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About

Since 1983, we’ve been helping homebuyers and homeowners get the financing they need to buy a new home, refinance an existing mortgage, or consolidate high-interest debt. Customer satisfaction is our highest priority (we continue to win awards), and we are always developing new loan products to fit the individual needs of our borrowers. When you work with us, you’ll discover why getting a mortgage is so much better when you Embrace it.

Products & Services

Mortgage Loan Officer

FHA Home Loan

VA Home Loan

Jumbo Home Loan

Mortgage Refinance

Year Started

1983

Time Zone

Eastern Standard Time (EST)

Disclaimer

Embrace Home Loans, LLC. is an Equal Housing Lender

Embrace Home Loans, LLC. | NMLS ID # 2184
25 Enterprise Center | Middletown, RI 02842 | Toll Free: 833-242-5820

©2024 All Rights Reserved
NMLS Consumer Access: http://www.nmlsconsumeraccess.org
Licensing | Privacy | Contact Us

Embrace Home Loans, Inc. NMLS ID # 2184 is licensed in AL, AZ (Lic.#BK-0906375), AR, CA Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, CO (Lic.#096162) Regulated by the Division of Real Estate, CT, Licensed by the Delaware State Bank Commissioner to engage in business in Delaware (Lic.#7317, Exp.12/31/2017), DC, FL, GA (Lic.#12848), ID, Illinois Residential Mortgage Licensee, IN, IA, KS, Supervised Lender Licensee (#SL0000625), KY, LA, ME, MD, MA Mortgage Lender & Mortgage Broker (Lic.#MC2184), MI, MN, Mississippi Licensed Mortgage Company, MO, NE, Licensed by the New Hampshire Banking Department, Licensed by the New Jersey Department of Banking and Insurance, NM, NY Licensed Mortgage Banker - NYS Department of Financial Services, NC, ND, OH, OK, OR (Lic.#ML322), PA, Rhode Island Licensed Mortgage Lender and Mortgage Broker, SC, SD, TN, TX, UT, VA, WA, WV, WI.