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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
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
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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Professional, friendly, timely, and easy to work with.
Reply from Jeff Gaccione
July 20th, 2026 02:33 PM
Thank you, Michael, for trusting me again with your VA cash-out refinance in Alabama. It means a lot that you came back after your previous loan. I'm glad we could make the process professional, timely, and easy from start to finish. Thank...
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Professional, friendly, timely, and easy to work with.
Reply from Jeff Gaccione
July 20th, 2026 02:33 PM
Thank you, Michael, for trusting me again with your VA cash-out refinance in Alabama. It means a lot that you came back after your previous loan. I'm glad we could make the process professional, timely, and easy from start to finish. Thank...
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Great people, very communicative and helpful. They made the process as simple as possible.
Reply from Jeff Gaccione
July 17th, 2026 12:20 PM
Thank you, Jeff! It was a pleasure helping you purchase your first home in Blue Ridge, VA. Buying your first home is a big milestone, and I'm glad I could make the mortgage process as simple, straightforward, and stress-free as possible. Clear...
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Great communication and a smooth transaction
Reply from Jeff Gaccione
July 14th, 2026 02:31 PM
I'm happy to hear that you had a smooth transaction and appreciated the communication, Cory. It was a pleasure working with you on our client's home purchase. If you ever need assistance in the future, please feel free to reach out.
Answering all questions and concerns and very knowledgeable!
Reply from Jeff Gaccione
July 7th, 2026 01:36 PM
Wayne, I'm grateful for your kind words. It's good to know that my answers and knowledge were helpful with your cash-out refi. If you have any more questions or need assistance in the future, feel free to reach out.
Jeff is amazing and I look forward to working with him again!
Reply from Jeff Gaccione
June 9th, 2026 03:12 PM
Thanks G! It was great working with you as well! Can't wait for the next one!
Jeff kept my husband and I on track and well informed of the process at all times. He was a pleasure to work with. We will happily refer him to friends and family.
Reply from Jeff Gaccione
May 14th, 2026 02:04 PM
Thank you, Phyllis, for sharing your experience. I'm grateful to hear that I could keep you and your husband informed throughout the process. It's appreciated to know you'd feel comfortable referring me to friends and family.
From start to finish Jeff was fantastic. He was communicative and accommodating, which was particularly helpful since my work hours and access are limited. Will 100% recommend him and would work with him again in the future.
Reply from Jeff Gaccione
May 12th, 2026 04:28 PM
I'm pleased to hear that my communication and accommodation met your needs, John. It's great to know that despite your limited work hours, we could work together effectively. Your recommendation and willingness to work with me again truly mean...
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Hardworker, Smart, Motivated to do the best for his clients
Reply from Jeff Gaccione
April 14th, 2026 01:58 PM
Thank you, Brian, for your kind words. I'm pleased to know that you value my dedication and efforts to provide the best service possible. I'm always happy to help!
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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.