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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Kirk had to step in at the last minute and take over our loan. He was well informed and available 24/7 all the way to the end.
Reply from Kirk Hutchings
August 24th, 2025 09:38 PM
Todd, I appreciate you sharing your experience. Stepping in at the last minute can present its own challenges, but I'm glad I could be there for you throughout the process. Being available and informed is important to me, and I'm pleased to...
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EEREveryone
Reply from Kirk Hutchings
August 16th, 2025 12:04 PM
Christina, thank you for leaving such a positive rating. I truly appreciate your support and am glad that your experience with Embrace Home Loans was satisfactory. If you have any other feedback you'd like to share or need further assistance,...
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Kirk was excellent to work with. He was right on top of everything and very quick to respond to all situations to make this property close. I will for sure recommend Kirk for all my future Buyers . Anita Jones, Michael Saunders & Company
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Reply from Kirk Hutchings
July 30th, 2025 01:39 PM
Anita was amazing to work with. She was able to help sellers realtor by getting information which helped close the sale. This transaction would not have happened without her .
Kirk
Just a very easy, pleasant experience. My wife and I actually dealt with Keith Yelle for 80% of this process, but when Kirk took over, he was great as well.
Reply from Kirk Hutchings
August 13th, 2025 01:06 PM
Thank you, Derek, for sharing your experience. I'm glad to hear that the process was easy and pleasant for both you and your wife. While it sounds like Keith Yelle was able to assist you for much of the journey, I'm pleased to know that my...
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Kirk is absolutely top-notch—10 out of 10 stars!! The entire process from start to finish was smooth and stress-free, thanks to his clear, upbeat communication and prompt responses. Kirk was so friendly and easy to work with, and the final...
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Reply from Kirk Hutchings
August 8th, 2025 10:27 AM
Karen, thank you for your incredibly kind feedback. I'm delighted to know that the whole process felt smooth and stress-free for you. Clear and prompt communication is something I always aim for, so I'm pleased it played a role in your experience....
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Kirk was easy to talk to, provided constant communication and updates, and when I messaged him, he was pretty quick with responding.
Reply from Kirk Hutchings
July 23rd, 2025 12:45 PM
Christopher, I'm glad to hear that you found the communication process smooth and timely during your experience. Being accessible and providing regular updates is something I strive for, so it's great to know it was helpful for you. If you...
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Kirk's communication was fantastic. I work with multiple lenders in Realestate and I couldn't have asked for a better experience. I will highly recommend him.
Kirk was so helpful, honest, and patient as we navigated buying our first home. He went the extra mile to explain all of our options and keeping us informed of what the next steps would be in the process.
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Reply from Kirk Hutchings
July 17th, 2025 01:15 PM
Andrew, I'm really glad to hear that you felt supported during your first home buying experience. It was important to me to keep you well-informed and provide clear options every step of the way. Your experience is a priority for me, and I'm...
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Kirk was ao helpful in everyway! Im very grateful for him This is my firat time buying a house by mysel . Kirk walked me through every detail . Understanding and patient with all my question!!
Reply from Kirk Hutchings
June 23rd, 2025 01:51 PM
I'm thrilled to hear that I could assist you effectively during your first home purchase. It was my pleasure to help you through the process, and I'm grateful for your kind words. If you have any more questions in the future, feel free to reach...
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I loved that Kirk matched me with the best product acabased on my needs qualification. Provided regular updates on the process and ensured every little detail was just right. Super grateful and happy with his service.
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Reply from Kirk Hutchings
June 20th, 2025 09:10 PM
I'm delighted to hear that you had such a positive experience with your refinance process. It was a pleasure assisting you, and I'm grateful for your kind words. Thank you for choosing Embrace Home Loans.
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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.