Embrace Home Loans, Inc., Middletown, RI

Middletown, RI

4.92

(76,617)

Mortgage

Mortgage Loan Officer

Contact Info

(800) 333-3004

Middletown, RI

https://www.embracehomeloans.com

Location & Business Hours

Business Hours

Wed

9 AM to 5 PM

Thu

9 AM to 5 PM(Open now)

Fri

9 AM to 5 PM

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4.92

(76,617)

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5 Star

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Tom is fantastic! Communicative and helpful through the entire process. Highly recommend working with him and the Embrace team.

Reply from Tom Cifichiello

February 6th, 2026 06:05 PM

I appreciate your kind words, Sean. I'm glad to hear you were satisfied with the communication and support throughout the process. If there's anything else I can assist you with, feel free to reach out.

Embrace Home Loans - Basking Ridge, NJ has received a review with 5 star rating from Sam E

Joe such a great person works hard to give the client the best deal possible with the lowest rate in market the work with him stress free with no worries, thank you Joe it was a pleasure having you to close my new home.

Reply from Joe Colella

March 30th, 2026 07:37 PM

Samy, I appreciate your kind words. It’s rewarding to hear that you found working with me stress-free and were satisfied with the deal and rates. I enjoyed assisting you in closing your new home. If you need anything else or have questions...

My husband and I really enjoyed working with Mike and his team to purchase our beach home. Although I am in the industry I really appreciated the time he took initially to talk through various options that we had for our downpayment which allowed...

We really appreciated the time you took to break down the various options that we had and which option really made the most sense for us as far as our downpayment. The communication throughout was wonderful and the portal was so easy to use...

Reply from Mike Davidson

February 6th, 2026 09:36 PM

I'm glad to hear that you found the breakdown of options helpful, Amy. It's important to me that you felt informed and confident in making decisions about your downpayment. Effective communication is a priority, and I'm pleased that the portal...

Very helpful and great communication

Reply from Omar Hassan

February 5th, 2026 07:44 PM

I'm glad to know you found my communication and assistance helpful, Naglaa. If you have any further questions or need support in the future, please feel free to reach out.

Thank You for recommending the 3-2-1 buydown to 2.875%. It is such a great relief to start the mortgage out at such a low rate and payment. Grateful that you were our loan officer.

Thanks for recommending the 3-2-1 buydown to 2.875%. It is really a great relief starting off the morgage at such a low rate and payment. The process was straight-forward and easy. Grateful that you were our loan officer.

Reply from Devin Iannone

February 5th, 2026 05:38 PM

I'm glad to hear that the 3-2-1 buydown recommendation worked well for you, Scott. Starting off with a lower mortgage rate can truly provide some financial ease, and I'm pleased that the process felt straightforward for you. If you have any...

Very knowledgeable and helpful team, made a very stressful purchase process much easier! I would recommend them to anyone!!

We had a wonderful experience working with Cara as our mortgage loan officer. She was personable, knowledgeable, and took the time to answer all of our questions. Cara was always easy to reach and incredibly responsive throughout the process,...

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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.