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Jeff Gaccione
Loan Officer | NMLS 20461
Jeff Gaccione (NMLS #20461) is a highly experienced Mortgage Loan Officer with Embrace Home Loans, helping homebuyers, homeowners, real estate investors, and referral partners find the right mortgage solutions for more than 25 years.
A Rho... Show More
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Jeff was fantastic. I have worked with him several times and he has consistently gone above and beyond! He is always on top of everything and works to ensure the lending process for the clients is clear and fully explained! Transparent, professional...
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Reply from Jeff Gaccione
September 11th, 2026 06:02 PM
Thank you, G! I really appreciate the kind words and the continued trust. It’s always a pleasure working together and helping our clients navigate the mortgage process as smoothly and clearly as possible. Great communication between the agent...
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Jeff G was great from start to finish helping me through my first home purchase. He provided accurate information and was available for questions anytime anyday. 10/10 would recommend.
Reply from Jeff Gaccione
September 9th, 2026 02:46 PM
Thank you so much for the great review! It was a pleasure helping you navigate your first home purchase. I’m glad I could provide clear, accurate information and be there whenever questions came up. Congratulations on your new home, and thank...
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We worked together to find just what we needed in a Morgage and Jeff was patient with us all the way......
Reply from Jeff Gaccione
September 2nd, 2026 02:45 PM
Thank you, Julia, for sharing your experience. I'm glad I could assist you in finding the right mortgage and appreciate your kind words about my patience throughout the process. If you need any further assistance, feel free to reach out.
Jeff is attentive to his clients and colleagues and continues to stay on top of any obstacles that may come up. He can be counted on for a smooth transaction!
Reply from Jeff Gaccione
September 2nd, 2026 02:45 PM
Thank you, Donovan, for your positive feedback. I'm grateful to hear that my attentiveness and proactive approach contributed to a smooth transaction for you. If you need any further assistance, feel free to reach out.
refinancing the house with Jeff was a breeze
Reply from Jeff Gaccione
August 25th, 2026 02:54 PM
I'm happy to hear that the refinancing process felt smooth for you, Destiny. If you have any more questions or need further assistance, feel free to reach out.
The staff was incredibly friendly and went above and beyond to help me throughout the entire process. As a first-time homebuyer, I couldn’t have asked for a better experience. Jeff and his team made everything smooth, easy, and enjoyable. I...
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Reply from Jeff Gaccione
August 23rd, 2026 09:46 PM
I'm grateful for your kind words, Brianna. It's wonderful to hear that my team and I could make your first home buying experience smooth and enjoyable. Thank you for recommending us, and I'm pleased we could assist you so effectively.
Jeff is a true professional, he is available, responsive & provides the best support & service always goes above and beyound for his clients.
Reply from Jeff Gaccione
August 23rd, 2026 09:47 PM
Thank you, Brian, for your kind words. I'm happy to have been able to provide the support and service you needed. It's wonderful to know that my efforts made a positive impact on your experience.
Jeff, Thank you for the partenship.
Reply from Jeff Gaccione
August 18th, 2026 05:58 PM
Thank you, Cleo, for your kind words. It was great to partner with you on our clients home buying journey!
It was an absolute pleasure working with Jeff Gaccione with Embrace Home Loans. Jeff made the process of our refi seamless and stress free as possible. Whenever anything needed to be explained, he patiently went over each concern until it was...
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Reply from Jeff Gaccione
August 14th, 2026 05:59 PM
Thank you, Clyde, for sharing your wonderful experience. I'm glad I could make the refi process seamless and address all your concerns thoroughly. It's great to know that everything met your expectations, including the interest rate and mortgage...
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Very knowledgeable, patient, and responded quickly to any questions I had.
Reply from Jeff Gaccione
July 20th, 2026 02:32 PM
Mike & Katlyn, thank you so much for the kind words! It was a pleasure helping you with your Maryland home purchase. I'm glad I could provide the guidance, quick communication, and answers you needed throughout the mortgage process. My goal...
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About
Jeff Gaccione (NMLS #20461) is a highly experienced Mortgage Loan Officer with Embrace Home Loans, helping homebuyers, homeowners, real estate investors, and referral partners find the right mortgage solutions for more than 25 years.
A Rhode Island native with deep roots in the local community, Jeff specializes in helping clients throughout Rhode Island, Massachusetts, Connecticut, and numerous other states. His experience covers everything from first-time homebuyer programs, conventional, FHA and VA loans to refinancing, investment property financing, DSCR loans, and other non-traditional mortgage solutions.
Jeff takes a consultative approach to mortgage lending. Rather than simply quoting a rate or offering a one-size-fits-all loan, he works to understand each client's goals, identify potential obstacles, and develop a financing strategy that makes sense for both today and the future.
Whether you're buying your first home, moving up, relocating, purchasing an investment property, refinancing, or dealing with a more complicated financing scenario, Jeff's goal is simple: provide clear answers, strong communication, creative solutions, and a smooth path to closing.
Ready to explore your options? Contact Jeff today to discuss your mortgage goals or get started with a pre-approval.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Non-QM
DSCR Loans
1099 Income Loans
Specialities
Purchase, Refinance, and Equity Based Home Loan Solutions.
Conventional, FHA, VA, USDA, DSCR, Fix & Flip, purchase lending, Refinance lending, HELOC's.
Residential Lending
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Positions
- Embrace Home Loans - Senior Loan Officer | Sales Manager | NMLS # 20461Nov 1st, 2001 - Current
Memberships
- SRI Chamber of Commerce Member
- Trust Networking East Greenwich Facilitator
- RIMSBL Hall of Fame (2024)
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2001
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS 20461
Gallery
Videos
Awards
30 Million Club-20...
Achievements
- 10 x President Club Recipient
Hobbies
- Baseball
- Gym
- Family
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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.