Michael Raffa

Name: Embrace Home Loans
Address: 620 Main Street, East Greenwich, Rhode Island, 02818
Telephone: +1-401-837-4237
Rating: 4.95

Loan Officer | NMLS 5305

Embrace Home Loans - East Greenwich, RI

4.95

(22)

Mortgage

Mortgage Loan Officer

Contact Info

(800) 333-3004

4018515542

East Greenwich, RI

https://www.embracehomeloans.com/location/rhode-island/middletown/michael-raffa?utm_medium=organic&utm_source=google&utm_campaign=GMB

Location & Business Hours

Business Hours

Tues

9 AM to 5 PM

Wed

9 AM to 5 PM

Thu

9 AM to 5 PM

View All days

Search Reviews

Write a Review

4.95

(22)

Filter by Date

Range

Filter by Rating

Experience.com

4.95

(22)

Reset all filters

Michael and Carli went ABOVE AND BEYOND to help me buy my Grandmothers home and it means the world to me!!! I can not recommend them enoug!!! Dream team!!!!

Reply from Michael Raffa

August 12th, 2026 03:07 PM

Jill, You were wonderful to work with and an exceptional borrower. Anything that we asked for, you sent it to us as soon as possible. Again, I'm excited for you and your family! Congratulations.

Very smooth and easy process!

Reply from Michael Raffa

August 12th, 2026 03:09 PM

Matt, Thank you for all your help in the process. You were great to work with and help make the process as smooth as possible. Thanks again and congratulations!

Mike was very efficient and personable. He kept me up to date with how the loan was proceediing. He was very easy to work with and also very accessible.

Reply from Michael Raffa

August 12th, 2026 03:11 PM

Mary, Thanks again for your kind words. I really enjoyed working with you. Your communication was exceptional and I hope we can partner up again in the future!

Excellent experience!

Reply from Michael Raffa

July 22nd, 2026 01:50 PM

Alexandra, I'm grateful to hear that you had an excellent experience. Thank you for your kind words and for choosing me to assist with your home loan needs. If there's anything more I can do for you, please let me know!

Mike did a fantastic job providing my wife and I the options we needed to complete our refi. We encountered some obstacles during the process, but for each encounter, Mike provided a perfect alternative to allow us to proceed forward. Overall,...

Reply from Michael Raffa

March 20th, 2026 01:37 PM

Douglas, it's great to hear that I was able to provide the options you and your wife needed for your refinance. Navigating obstacles is always part of the process, and I’m glad the alternatives I offered helped you move forward smoothly. Your...

Mike Raffa communicated with me at every step of the process. He was accomodating when my schedule interferred and alwayts responded to my calls or txts.

Reply from Michael Raffa

February 24th, 2026 03:29 PM

Paula, I'm pleased to hear that the communication throughout the process was effective for you. Adapting to your schedule and being responsive were priorities for me. If you ever have more questions or need further assistance, please feel free...

Hospitality customer service honesty and compassion

Reply from Michael Raffa

January 26th, 2026 04:28 PM

Gracie, I appreciate your feedback and am glad to know that hospitality, customer service, honesty, and compassion were key aspects of your experience. It was my pleasure to assist you with your cash-out refinance. If you have any further questions...

mike did a good job but underwriting was very dificult to work with

Reply from Michael Raffa

December 4th, 2025 08:20 PM

Gary, I appreciate your feedback and am glad you were satisfied with my efforts. I understand the frustration a difficult underwriting process can cause, and I'm sorry for any inconvenience it may have brought. If you have any questions or...

Mike was wonderful to work with! very clear communication and walked us through ever step with ease. Thank you!

Reply from Michael Raffa

November 14th, 2025 07:23 PM

Chelsea, I appreciate your kind words and am glad to hear that the communication and guidance met your expectations. It was important to me to ensure clarity throughout each step of the process. Thank you for sharing your experience. If you...

I cannot say enough great things about Mike during this whole refinance process. He was always available for questions and would answer clearly and so we could easily understand. Highly recommend to all!

Reply from Michael Raffa

November 5th, 2025 02:15 PM

Jonathan, I'm grateful for your positive words and the 5-star review. I'm pleased to have been available to assist and ensure clarity throughout your refinance process. Your recommendation means a lot, and I'm always here if you have more questions...

10 of 22

About

Michael Raffa (NMLS #5305) is a premier mortgage loan officer and local lending expert in Middletown, Rhode Island. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Michael provides comprehensive home financing solutions with Embrace Home Loans. Michael Raffa has been with Embrace Home Loans since July 14, 1993. He is currently a Team Leader and Vice President. Mike oversees a team of 12 Loan Officers, one Processor and an Assistant Loan Officer, originating, processing and closing both purchase and refinance business. Contact Michael today to explore your home loan options and get pre-approved!

Products & Services

Mortgage Loan Officer

Mortgage Refinance

Search Rank ScoreLearn More →

What is the Search Rank Score®?

Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.

Positions

Embrace Home Loans - Vice President/Team Leader
Jul 1st, 1993 - Current

Year Started

1993

Time Zone

Eastern Standard Time (EST)

Licenses

NMLS 5305

Videos

Disclaimer

AZ - Mortgage Banker License #BK-0906375; CA - Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; CO - Regulated by the Division of Real Estate; DE - Licensed by the Delaware State Bank Commissioner, License #7317; GA - Residential Mortgage Licensee #12848; KS - Mortgage Company License #MC.0025345; MA - Mortgage Lender & Broker License #MC2184; ME - Supervised Lender License; MS - Licensed Mortgage Company; NJ - Licensed by the N.J. Department of Banking and Insurance; NY - Licensed Mortgage Banker-NYS Department of Financial Services, 150 Motor Parkway, Suite 219, Hauppauge, NY 11788; OR - License #ML-3228; RI - Rhode Island Licensed Mortgage Lender & Broker.