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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9 AM to 5 PM
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closed
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closed
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Reviews from Web
Working with Kirk and the team was a no brainer for us. Took the time to explain every step of thre process in a clear simple manner. The professionalism and communication were outstanding. We had a very pleasant experience and I am grateful...
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Reply from Kirk Hutchings
March 26th, 2026 03:11 PM
Maxwell, I'm grateful for your kind words. I'm pleased that the process was smooth for you and that my explanations were helpful. It was a priority to ensure clarity and ease throughout, and your acknowledgment of my professionalism and communication...
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Kirk was ontop of all aspects of the process. Worked with Embrace twice now and both times have been great. Thank You
Reply from Kirk Hutchings
March 23rd, 2026 03:52 PM
Donica, your comments are appreciated. I'm pleased to hear that everything went smoothly during the process. Working with you through Embrace Home Loans twice has been rewarding. Should you have any more needs or questions in the future, don't...
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Kirk Hutchins was just about the most helpful person we ever me. Would highly recommend working him. Thank you Kirk for all you've done for us
Reply from Kirk Hutchings
February 3rd, 2026 06:42 PM
Angela, I appreciate your kind words. It was a pleasure to assist you, and knowing that my efforts were helpful means a great deal to me. Thank you for your recommendation. If there's anything more I can do for you in the future, please feel...
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The people buying my house and dragging their feet help me stay the course and move on
Reply from Kirk Hutchings
February 2nd, 2026 04:41 PM
Your feedback is much appreciated, Kevin. It sounds like the process was challenging, and I'm glad I could assist you in navigating it and moving forward. If there's anything else you need or if I can offer further support, please feel free...
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Kirk was a true professional and very easy, really easy to make the transaction simple!
Bradford Coons
Reply from Kirk Hutchings
January 26th, 2026 08:46 PM
I'm grateful for your feedback, Bradford. It's my goal to make the transaction as straightforward as possible, and I'm glad to hear it felt easy for you. If you have any more questions or need further assistance, I'm here to help. Thank you...
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Kirk was attentive to every detail and deadline. He also showed compassion for the buyer and took his time to make sure she understood what was happening at each step. He was great to work with and I would enjoy working with him in the future!...
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Kirk was excellent with keeping me informed with what I needed to know. He was always pleasant and very courteous when answering questions that I had. I would recommend him to anyone who is buying a home.
Reply from Kirk Hutchings
January 19th, 2026 05:11 PM
I'm pleased to hear that you felt well-informed throughout the process, Mary. Ensuring you had the information you needed and addressing any questions with courtesy is a top priority for me. Thank you for your kind words and recommendation;...
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Kirk communication throughout the process .
Reply from Kirk Hutchings
December 16th, 2025 09:02 PM
I'm glad you appreciated the communication during the process, Ryan. Keeping you informed is important to me, and I'm pleased it stood out in your experience. If any further questions arise or if there's anything else I can assist you with,...
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Service service service
Reply from Kirk Hutchings
December 8th, 2025 07:48 PM
I appreciate your review, Dale. It's important to me to provide the level of service that meets and exceeds expectations. If there's anything more I can help you with or if you have any questions, feel free to reach out.
The prompt and attentive responses to my text messages really made the experience great.
Reply from Kirk Hutchings
December 2nd, 2025 04:29 PM
I'm glad to know that the prompt and attentive responses contributed positively to your experience, Suho. Clear communication is a priority for me, and I appreciate your recognition of that. If there's anything else you need or any questions...
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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
Videos
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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NMLS Consumer Access: http://www.nmlsconsumeraccess.org
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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.