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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
Jeff and his team was great to work with.
Reply from Jeff Gaccione
April 6th, 2026 04:51 PM
Thank you, Brandon, for sharing your experience. I'm pleased to hear that working with us was a positive one for you. If you ever need assistance in the future or have more questions, please feel free to reach out.
Jeff was kind, patient, and made us feel like we were his top priority. We are incredibly grateful and will definitely work with Embrace (and Jeff!) the next time we buy a house!
Reply from Jeff Gaccione
March 29th, 2026 06:58 PM
I'm grateful for your thoughtful words, Elisabeth. It's great to know that my approach helped you feel prioritized. Your trust and intention to work with Embrace and me again in the future mean a lot. If there's anything else I can assist with,...
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Jeff made is very easy.
Reply from Jeff Gaccione
March 17th, 2026 06:33 PM
I appreciate your feedback, Brad. I'm pleased to know that the process felt easy for you. If you have any other needs or questions in the future, please don't hesitate to reach out.
Jeff was very pro-active, professional, knowledgeable and a pleasure to deal with. His communication was great & my clients were happy I refered him to them.
Reply from Jeff Gaccione
March 13th, 2026 03:00 PM
I'm pleased to hear that you found my approach proactive and professional, Robin. It's important to me to provide effective communication and knowledgeable service. I'm grateful for your trust in referring me to your clients, and I'm glad they...
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Communication was great and the dedication to service was outstanding!
Reply from Jeff Gaccione
March 10th, 2026 05:01 PM
I appreciate your feedback, Antoine. I'm pleased to know that you found the communication and dedication to service met your expectations. It's important to me to provide a consistent and supportive experience. If you have any further questions...
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I Love the "DEDICATION TO SERVICE" from Jeff and Embrace Home Loans. I used plenty of lenders for my Property Investment Business and Jeff always comes out on top! He responds quickly when needed. I've used Jeff and Embrace Home Loans for my...
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Reply from Owner
March 6th, 2026 05:58 PM
Antoine, Thank you for the great review. I really appreciate the trust you’ve placed in me and our team over the years.It’s always rewarding to work with experienced real estate investors who understand the value of having the right financing...
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EHL and Jeff Gaccione were helpful for the home buying process. Most things ran smoothly but due to some strangeness in the paperwork for the financing the process was became a little more murkey to follow. Overall though the service was great,...
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Reply from Jeff Gaccione
February 5th, 2026 12:45 AM
It's great to hear that you found the overall process helpful and that the portal was easy to work with, Jan. I understand that some aspects of the financing paperwork could have been clearer, and I appreciate your patience. Ensuring you have...
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Jeff Gaccione has received a review with 5 star rating from Diane S
Reply from Owner
January 14th, 2026 02:00 PM
Thank you, Diane — I truly appreciate the 5-star review. It was a pleasure helping you with your cash-out refinance, and I’m glad we were able to make the process smooth and efficient from start to finish.Whether I’m working with clients here...
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We had a great experience working with Jeff! He responded quickly and answered all my questions. I would highly recommend Jeff and the Embrace team!
Reply from Owner
January 14th, 2026 01:57 PM
Stephanie, Thank you so much for the kind words! I really appreciate you taking the time to share your experience. It was a pleasure helping you through your home purchase in Warren, Rhode Island, and I’m glad I could be responsive and clear...
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Jeff was great to work with! He was quick to respond , day and night. He answered all my questions and it was an easy process. I would definitely recommend Jeff and his team at Embrace!
Reply from Jeff Gaccione
January 13th, 2026 01:09 AM
I'm pleased to hear that your experience working with me went so smoothly, Stephanie. Being responsive and making sure all your questions are answered is important to me, so I’m glad it made a difference for you. Thank you for considering recommending...
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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.