Jitin (Jay) Ghai
Embrace Home Loans - Northeast Region
Jay Ghai (NMLS #2546787) is a premier mortgage loan officer and local lending expert in Melville, New-York. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Jay provides comprehensive home financi... Show More
Location & Business Hours
Business Hours
Wed
24 hours(Open now)
Thu
24 hours
Fri
24 hours
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Reviews from Web
you are very helpful and did a great job
Reply from Jitin Ghai
September 6th, 2026 11:42 PM
I'm pleased to hear that you found my assistance helpful, Sopheavattey. Thank you for your kind words and for trusting me with your purchase at Embrace Home Loans.
Jay has helpes us along the process to make it smooth and easy to navigate. Thank you for making our first time home buying process a successful experience.
Reply from Jitin Ghai
August 28th, 2026 05:41 PM
I'm grateful to hear that you found the home buying process smooth and successful, Thida. It was a pleasure to assist you during this important milestone. Thank you for choosing me to guide you through your first-time home buying experience....
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Jitin (Jay) Ghai has received a review with 5 star rating from Sundar N
Jitin is a very knowledgeable and experienced go to person for the Mortgage loans. His dedication and helping tendencies make him GREAT and would like to continue work with him for any future real estate deals.
Reply from Jitin Ghai
August 15th, 2026 11:38 AM
Thank you, Sundararajan, for your kind words. I'm glad to know that you appreciate my dedication and expertise in mortgage loans. I look forward to assisting you with any future real estate needs.
Jay is an exceptional professional who excels as both a realtor and a loan officer. He transformed what could have been an emotional and hectic process into a seamless, smooth experience. I highly recommend Jay to anyone in need of a dedicated...
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Reply from Jitin (Jay) Ghai
July 23rd, 2026 07:35 PM
I'm grateful for your thoughtful review, Sunghoon. It’s rewarding to know I could make your experience both seamless and smooth. I strive to provide guidance in both real estate and mortgage matters, and it’s truly satisfying to see the process...
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Jitin was very knowledgeable and experienced. He made the entire process smooth and ensured everything was completed in a timely manner. It was a great pleasure working with him.
Reply from Jitin (Jay) Ghai
July 23rd, 2026 07:35 PM
It was a pleasure working with you guys as well. Appreciate the kind review.
Each and every step Jay walked us explaining the process in detail from home search to closing the house. Very much appreciated all the help Jay provided us . He is very knowledgable and understands exactly what the client is looking for. Thank...
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Reply from Jitin (Jay) Ghai
July 23rd, 2026 07:35 PM
It was a pleasure working with you guys. Appreciate the kind review.
Amazing experience! Super knowledgeable, helpful, and made the whole process smooth from start to finish. Got a great deal.
Reply from Jitin (Jay) Ghai
July 23rd, 2026 07:35 PM
I’m really pleased to know that you had an amazing experience, Amir! It was my goal to make the process smooth and to provide you with helpful information along the way. Securing a great deal is always rewarding, and I’m glad I could be a part...
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Great communication and overall experience!
Reply from Jitin (Jay) Ghai
July 23rd, 2026 07:35 PM
I'm thrilled to hear that you had a great experience with the communication and overall process. It was a pleasure assisting you with your purchase at Embrace Home Loans. Thank you for your kind words, and we appreciate your feedback.
Jitin Ghai was really accessible and helpful through the whole process. He was able to reassure us when we hit a bump in the road and tell us what forms we still needed. He pushed us without being pushy. Overall, a great experience.
Reply from Jitin (Jay) Ghai
July 23rd, 2026 07:35 PM
Thank you Joachebeth and Justin. It was a pleasure working with you guys!
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About
Jay Ghai (NMLS #2546787) is a premier mortgage loan officer and local lending expert in Melville, New-York. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Jay provides comprehensive home financing solutions with Embrace Home Loans. Jitin âJayâ Ghai, one of our newest loan officers, brings a wealth of experience to Embrace from his diverse background in real estate and finance. Prior to joining our team, Jay held notable positions, including Real Estate Associate Broker/Salesperson at Property Professionals Realty and Real Estate Salesperson at RealtyConnectUSA. Contact Jay today to explore your home loan options and get pre-approved!
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Specialities
Residential Home Loans
FHA Loans
VA Loans
SONYMA Loans
Conventional Home Loans
Refinancing
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Positions
- Embrace Home Loans - Loan OfficerApr 1st, 2024 - Current
- Property Professionals - Associate BrokerFeb 27th, 2020 - Current
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Memberships
- NMLS
- MLS
- LIBOR
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2024
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS # 2546787
- Associate Broker # 10301222071
Awards
Achievements
- Certified Public Accountant (CPA)
- Chartered Accountant (CA)
- Certified Information Systems Auditor (CISA)
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Hobbies
- Tennis
- Pickleball
- Poems
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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.