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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
Working with Jeff on a recent real estate transaction was an was an absolute pleasure and a testament to true professionalism. Jeff understands the real estate process and kept me and my clients informed at every juncture of the mortgage &...
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Reply from Owner
January 14th, 2026 01:56 PM
Horace, Thank you so much for the kind words and for taking the time to leave this review. Working with you on this Warren, Rhode Island purchase transaction was truly a pleasure.Strong communication and teamwork between the lender and real...
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Working with Jeff on a recent real estate transaction was an was an absolute pleasure and a testament to true professionalism. Jeff understands the real estate process and kept me and my clients informed at every juncture of the mortgage &...
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Reply from Jeff Gaccione
January 12th, 2026 03:04 PM
I'm grateful for your kind words, Horace. It's important to me to make the mortgage and closing process as smooth as possible, and I'm glad to hear your experience was positive. Keeping you and your clients informed throughout the transaction...
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Great communication. Thank you jeff
Reply from Jeff Gaccione
January 9th, 2026 06:04 PM
I'm pleased to hear that you were satisfied with the communication, Alan. It was a pleasure helping you with your home loan purchase. If you ever have any questions or need further assistance, please don't hesitate to reach out.
Jeff made the closing process easy and smooth. He explained everything clearly, communicated effectively, and was always available when I had questions. It was a great experience overall.
Reply from Jeff Gaccione
December 26th, 2025 03:07 PM
I'm pleased to hear that the closing process went smoothly for you, Denise. Making sure everything is clear and being available to address any questions is important to me. I'm grateful that you had a positive experience, and if there's anything...
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Super communicative, did what he said he was going to do a very pleasan experience. Highly recommend using Jeff!
Reply from Jeff Gaccione
December 23rd, 2025 02:00 PM
I'm pleased to hear that you found the experience pleasant and that my communication met your expectations, Paul. It's great to know I delivered as promised. Your recommendation is highly appreciated. If you need anything in the future, don't...
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Smooth, patient, professional, responsive!
Reply from Jeff Gaccione
December 23rd, 2025 01:59 PM
I appreciate your feedback, Pamela. It's great to know that you found the process smooth and professional. Being patient and responsive to your needs is important to me. If there's anything else you need or any questions in the future, I'm...
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Jeff and the team at Embrace (Kristy) were amazing to work with. We had a tough road to secure a mortgage rebounding off the close of our business during those turbulent Covid years. Jeff and team secured the right loan, worked with us to tackle...
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Reply from Owner
December 23rd, 2025 02:01 PM
Paul, Thank you for the kind words and for trusting us with such an important relocation. Helping families secure the right mortgage solution—especially after business closures, credit challenges, and complex underwriting—is exactly where experience...
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Above and beyond
Reply from Jeff Gaccione
December 15th, 2025 05:15 PM
Thanks Uncle Bill, I was happy to help!
Jeff gaccione and his team at embrace went above and beyond to get my loan secured in purchasing my home in Warwick. I couldn't have done it without him! If anyone is looking for a loan and have been denied by other companies I highly suggest...
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Reply from Owner
January 9th, 2026 09:52 AM
Kelly, Thank you so much for the kind words—and congratulations again on your new home in Warwick, Rhode Island. Helping you secure your mortgage after being turned down elsewhere is exactly why my team and I do what we do at Embrace Home Loans....
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Jeff is very professional always answer your questions and provide feedback that gives you a better understanding of what you are getting involved with, Jeff is the perfect fit for the job he is doing.
Reply from Jeff Gaccione
December 9th, 2025 03:44 PM
I appreciate your thoughtful words, Ron. It's important to me that my clients feel well-informed and confident in their decisions throughout the process. I'm glad to hear that my approach was helpful to you. If there's anything further you...
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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.