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

Location & Business Hours

Business Hours

Thu

9 AM to 5 PM

Fri

9 AM to 5 PM(Open now)

Sat

closed

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4.95

(22)

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4.95

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Ease of the closing

Reply from Michael Raffa

August 26th, 2025 01:23 PM

Elaine, thank you for taking the time to share your experience and for the excellent 5-star rating. I'm delighted to hear that the closing process was smooth and easy for you. Ensuring that everything goes seamlessly for my clients during their...

The experience of our advisor. His interaction with us, and his advice was outstanding. He made the process painless.

Reply from Michael Raffa

August 23rd, 2025 01:50 PM

John, I'm truly appreciative of your generous feedback and the 5-star rating. It's wonderful to know that I could provide you with an outstanding experience and make the process painless. Your comfort and understanding during this journey are...

Michael made the process so much easier by guiding me step by step

Reply from Michael Raffa

July 31st, 2025 12:31 PM

Sandra, thank you for your kind words and the fantastic rating. I'm truly glad to hear that I could make the process easier for you by guiding you each step of the way. Assisting you in achieving your goals is something I truly value. Should...

Not only is Mike one of the best looking loan officers at Embrace, he has a way of making you feel calm through the entire process. He answers every question throughly, and stays ontop of the entire transaction - we never had to worry about...

Reply from Michael Raffa

July 2nd, 2025 02:55 PM

Chad,One of the many things that I appreciate about you is your sense of humor. I enjoyed getting to know you and Cindy throughout the process and the relationship that was created. Again, I'm very happy for you and your family and you should...

Mike always kept us updated in every aspect along the way until our loan was closed. We had a short window to get loan approval and closed and he made it happen, even completed early. He is the best loan officer I have worked with.

Reply from Michael Raffa

January 6th, 2025 01:59 AM

Kathy, thank you so much for your kind words and for the 5-star rating. I'm thrilled to hear that you had a positive experience with Embrace Home Loans and that I was able to assist you in meeting your deadline. It was a pleasure working with...

He kept us updated all along the way and was on top of getting all needed documentation togetherus closed on time.

Reply from Michael Raffa

January 3rd, 2025 02:24 PM

I'm thrilled to hear that you were satisfied with the service provided, David. Your positive feedback means a lot to me and it was my pleasure to keep you updated throughout the process and ensure everything was in place for your loan purchase....

Timely communication and document reporting. Great hospitality skills great personality outstanding service at all time Enjoy to work with

Reply from Michael Raffa

November 7th, 2024 08:10 PM

I'm thrilled to hear that you had a positive experience with Holly and myself, Gracie. Your kind words regarding my timely communication, document reporting, and hospitality skills truly mean a lot. I pride myself on providing outstanding service...

Mike was super professional, thorough, quick to respond. He always made sure he answered all my questions and that I was comfortable moving forward with the loan process. I would highly recommend Mike to anyone!

Reply from Michael Raffa

October 16th, 2024 11:01 PM

Thank you, Georgia, for taking the time to share your experience with Embrace Home Loans. I'm glad to hear that you felt comfortable throughout the loan process and appreciated my prompt responses. Your recommendation means a lot to me. It...

Mike was a great loan officer. He responded quickly always answered our questions. Was willing to provide us guidance in a competitive market and made sure we were getting the best deal possible. Our transaction was seamless. I would recommend...

Mike was professional throughout this process. He ensured ongoing communication from start to finish.There was a personalized touch offered during both the peaks and valley of my experience.The efficiency in which we were able to complete this...

11–20 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

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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.