Kirk Hutchings
Loan Officer/ VP | NMLS 7593
Kirk Hutchings (NMLS #7593) is a premier mortgage loan officer and local lending expert in Financial Institutions Group, Rhode Island. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Kirk provide...... Show More
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We’ve had the pleasure of working with Kirk on two home purchases, and both experiences have been outstanding. From start to finish, Kirk made the entire financing process smooth, transparent, and stress-free. His professionalism, knowledge,...
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Reply from Kirk Hutchings
October 22nd, 2025 05:06 PM
I'm delighted to hear that both of your home purchase experiences were smooth and transparent. It's my goal to ensure that every client feels confident and fully informed throughout the financing process. Your kind words about my professionalism...
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The transation was supported by exceptionalism among all parties involved. Great team Embrace has.
Kirk was wonderful. He was very helpful in answering questions and being available when I needed him. Thank you for making a challenging process easier.
10/10 would definitely recommend Kirk
Reply from Kirk Hutchings
July 3rd, 2026 05:32 PM
I'm grateful for your recommendation, Peyton. It's wonderful to know you had a positive experience working with me. If you ever need assistance in the future, don't hesitate to reach out.
communicated with me often and was always pleasent. didnt hesitate to say call me if i needed anything Or a question amswered. helped me make the transition to refinace smooth and quick as possible . Appreciated all his efforcts efforts
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Reply from Kirk Hutchings
June 5th, 2026 01:09 PM
Thomas, I'm glad to hear that I could make your cash-out refinance process smooth and quick. Your appreciation for my efforts and communication means a lot to me. If you ever have more questions or need further assistance, please feel free...
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Kirk is a great communicator and very organized. He's a joy to work with. This is our second transaction with him. This was the easiest process we've ever been through. Loved how smooth it was and paperless.
Reply from Kirk Hutchings
June 4th, 2026 06:36 PM
Michael, I'm thankful for your kind words and pleased to hear that your transaction went smoothly. It's wonderful to know that you found the process easy and appreciated the paperless approach. I'm happy to have worked with you again, and I'm...
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My experience working with Kirk was exceptional. Kirk’s knowledge, expertise and customer focus was demonstrated throughout the process. Kirk is always willing to answer questions, address concerns and collaborate with key stakeholders to deliver...
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Reply from Kirk Hutchings
June 1st, 2026 06:29 PM
Betty, I'm pleased to hear that you had a positive experience working with me. Your acknowledgment of my knowledge and customer focus means a lot. Thank you for your kind words, and if you have any more questions or need further assistance,...
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Kirk was very helpful with securing our loan and helping us with closing. He was very responsive through emails, texts and calls. He was very friendly and easy to work with.
Reply from Kirk Hutchings
May 29th, 2026 01:31 PM
Christine, I appreciate your kind words. I'm glad I could assist you with securing your loan and the closing process. It was a pleasure working with you, and I'm thankful for your feedback on my communication. If you have any further questions...
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Kirk guided me and my family through a complicated and detailed process, would 100% call Embrace any time in the future again and again! Thank you!!
Reply from Kirk Hutchings
May 11th, 2026 06:57 PM
Daniel, I'm grateful for your kind words. It's appreciated to know that I could assist you and your family through the process effectively. Please feel free to reach out if you need any assistance in the future.
highly responsive
Reply from Kirk Hutchings
April 17th, 2026 07:35 PM
Hugh, I appreciate your feedback on my responsiveness. It’s important to me to be attentive and available throughout the process. If there's anything else you need or want to discuss, please feel free to reach out.
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About
Kirk Hutchings (NMLS #7593) is a premier mortgage loan officer and local lending expert in Financial Institutions Group, Rhode Island. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Kirk provides comprehensive home financing solutions with Embrace Home Loans. Kirk Hutchings has the unique distinction of being the third most tenured employee at Embrace Home Loans - he has been with the company for 38 years. For most of his career with Embrace, Kirk has been a Team Leader and Vice President, overseeing a team of 12 Loan Officers, originating, processing and closing both purchase and refinance business. Contact Kirk today to explore your home loan options and get pre-approved!
Products & Services
Mortgage Loan Officer
FHA Home Loan
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Positions
- Embrace Home Loans - Team LeaderJun 1st, 1987 - Current
- Embrace Home Loan - Team Leader/VPJun 1st, 1987 - Current
Year Started
1983
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS 7593
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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
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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.