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Michael Potoczak
Loan Officer | NMLS 966993
Michael Potoczak (NMLS #966993) is a premier mortgage loan officer and local lending expert in Basking-Ridge, New-Jersey. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Michael provides comprehe... Show More
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Everyone was extremely helpful and responsive whenever we needed anything. They took the time to walk us through the entire process step by step, making sure we felt comfortable and informed at every stage. Their guidance and support truly...
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Reply from Michael Potoczak
April 16th, 2026 06:18 PM
I'm grateful to hear that you found the process smooth and stress-free, Vincenzo. Ensuring you felt comfortable and informed every step of the way is always my goal. If there's anything more I can assist you with, please feel free to reach...
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Great experience
Reply from Michael Potoczak
April 15th, 2026 02:56 PM
I'm glad to hear you had a great experience, Albert. It was a pleasure working with you on your home purchase. If you have any questions or need further assistance, feel free to reach out.
Michael is professional, knowledgeable, communicative and on top of everything. He made our loan process seamless from start to finish. I will recommend him to family and friends. Truly the best!
Reply from Michael Potoczak
April 15th, 2026 06:53 PM
Thank you for your kind words, Alexandria. I'm pleased to hear that I could make your loan process seamless and provide the support you needed. Your willingness to recommend me to family and friends means a lot. If there's anything more I can...
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Michael was amazing! I had a lot of questions and he never hesitated to spend time to advise me and explain details. I truly appreciate his expertise, and professionalism. i would not hesitate to-recommend Michael
Reply from Michael Potoczak
April 13th, 2026 08:19 PM
Thank you for your kind words, Angelia. I'm happy that I could assist you with your questions and provide the guidance you needed. Your recommendation is greatly appreciated, and it was appreciated working with you. If there's anything more...
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Michael helped us with buying our home and now refinancing our home! Always has been open and up front with everything!
Reply from Michael Potoczak
March 11th, 2026 07:55 PM
It's great to know that I could assist with both your home purchase and refinancing, Daniel. Clear communication is something I prioritize, so I'm pleased to hear you felt informed and supported throughout the process. If you have any questions...
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Michael was amazing to work with throughout our homebuying process. As first time homebuyers, we had a lot of questions and he was always available to answer them. His clear communication and responsiveness made the entire process run smoothly....
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Reply from Michael Potoczak
March 24th, 2026 01:26 PM
I appreciate your feedback, Lesly. I'm glad I could guide you through the homebuying process and provide the clarity needed for a smooth experience. It's important to me that you felt informed and supported every step of the way. Your recommendation...
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From the very beginning of our loan search, Michael did an excellent job communicating the loan process with us. He walked through a full breakdown of the closing costs and fairly accurately predicted cash-to-close, which gave us more confidence...
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Reply from Michael Potoczak
March 24th, 2026 01:23 PM
I'm truly pleased to know that I could assist you throughout your home buying process, John. It's great to hear that the communication and support helped you feel more confident. Working with you to ensure a smooth transaction was important,...
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Michael was very professional throughout the transaction. He effectively communicated updates throughout the process. The property value certificate was also a great tool to help get my client's first offer accepted.
Reply from Michael Potoczak
March 11th, 2026 07:55 PM
It's good to know that my communication and tools were helpful in getting your client's first offer accepted, Melissa. I strive to provide professional service every step of the way. If you have any further questions or need assistance in the...
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I was in a difficult situation where a previous lender rejected my app due to the property not having any comps in the area after appraisal. They had told me I would not be able to get any conventional loan, but Michael didn't agree with them...
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Reply from Michael Potoczak
March 9th, 2026 06:21 PM
It's great to hear that I could assist you in navigating such a challenging situation, Beckie. I'm glad we could find a solution that worked for your needs, even amid the complexities. I appreciate your understanding and patience throughout...
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Michael was very responsove and communicative at every step and always available to respond to any of our questions. Michael was very professional and very knowledgeable. The entire team was great throughout the entire process.
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Reply from Michael Potoczak
January 12th, 2026 04:15 PM
I appreciate your kind words, Cheryl. I'm glad I could be responsive and communicative throughout your cash-out refinance process. It's important to me that you felt supported at every step. Should you have any more questions or require further...
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About
Michael Potoczak (NMLS #966993) is a premier mortgage loan officer and local lending expert in Basking-Ridge, New-Jersey. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Michael provides comprehensive home financing solutions with Embrace Home Loans. Michael Potoczak is a seasoned Loan Officer joining the Embrace team in Basking Ridge, NJ. Mike has been in the mortgage business for 10 years where he sharpened his skills pre-approving clients, originating loans, and negotiating rates and products. Contact Michael today to explore your home loan options and get pre-approved!
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Specialities
Mortgage lending
Home Equity Lines of Credit
First Time Home Buyers
Down Payment Assistance
Conventional Loans
Jumbo Loans
FHA Loans
VA Loans
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Positions
- Embrace Home Loans - Loan OfficerApr 1st, 2022 - Current
Memberships
- NMLS
- BNI Connect2Success
- Basking Ridge Sales
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2011
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS 966993
Videos
Awards
Top Producer
Customer Satisfact...
Top Responder
Achievements
- Scottsman Guide Top Originator
Hobbies
- Golf
- Skiing
- Tennis
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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.