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
Best MLO and stays on top of everything.
Reply from Kirk Hutchings
November 26th, 2025 02:17 PM
Andrew, thank you for your positive feedback. Staying on top of everything is something I take seriously, and I'm glad it made an impact on your experience. If there's more I can assist with or any questions you might have, please feel free...
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Kirk was absolutely phenomenal. As a first-time homebuyer, I had countless questions, and he took the time to walk me through every step of the process with patience and clarity. No question ever felt too small, and it always felt like a true...
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Reply from Kirk Hutchings
November 26th, 2025 09:09 PM
Bethany, it's so gratifying to hear about your positive experience. I understand how important it is to feel supported and informed throughout the home buying process, especially for a first-time buyer. I'm glad I could assist you by answering...
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Embrace was easy to work with and very accomodating. When things started to get sidetracked due to issues with the other parties involved in the transaction, Embrace provided great customer service and support until the process was complete....
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Reply from Kirk Hutchings
November 24th, 2025 03:51 PM
I'm pleased to hear that your experience with Embrace Home Loans was smooth and supportive, James. Navigating challenges with other parties can be tricky, so I'm glad we could provide the assistance you needed to keep things on track. If there's...
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Kirk was very responsive to our needs and made the experience a pleasure
Reply from Kirk Hutchings
November 10th, 2025 07:12 PM
Your feedback is greatly valued, Steven. I'm glad to hear that my responsiveness helped make your experience a positive one. It's important to me that the process feels seamless for you. If you have any further questions or need assistance,...
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Kirk is extremely professional. He was responsive to my questions, and usually answered questions before I even knew to ask them. He was always available, regardless of time of day, weekend, etc. I can't find the words to adequately express...
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Reply from Kirk Hutchings
November 10th, 2025 06:50 PM
Mary, I truly appreciate your kind words. Anticipating your needs and being available to answer your questions are key parts of how I approach my work, so it is gratifying to know it made a difference for you. Your trust and satisfaction mean...
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Kirk was there for us every step throughout the process
Reply from Kirk Hutchings
November 7th, 2025 02:15 PM
It's great to know you felt supported at every stage of the process. Being there for my clients is something I take seriously, and I'm glad it made a positive impact on your experience. If you have any more questions or need further assistance,...
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Kirk ushered us through every step, his communication is excellent, and he was very responsive. We were never in doubt about anything and felt like we were is the best of hands.
Reply from Kirk Hutchings
October 27th, 2025 08:46 PM
I'm pleased to hear that you felt well-guided and informed throughout the process. Ensuring clear communication and prompt responses are priorities for me, so it's great to know this met your expectations. If there's anything further you need...
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Kirk's communication and responsiveness with us were awesome. He was fast and courteous via email and phone, including on weekends and evenings. We are also very happy with the terms of our loan, and we did get to closing on time. Unfortunately,...
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Reply from Kirk Hutchings
October 27th, 2025 05:32 PM
Thank you for sharing your experience, Paula. I'm glad to hear that you appreciated my communication and the terms of your loan. It's important to me that my clients feel supported throughout the process. I understand that there were challenges...
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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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We really trust Kirk and appreciate the fantastic experience he provides in every transaction!
Reply from Kirk Hutchings
October 20th, 2025 06:19 PM
It's great to hear that you have trust in my work and found the experience positive. Ensuring a seamless process for each transaction is something I strive for, and your feedback is valuable to me. If there’s anything more I can do or if 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
©2024 All Rights Reserved
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.