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  • NMLS 659198
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Monday
9:00 AM to 5:00 PM
Tuesday
9:00 AM to 5:00 PM
Wednesday
9:00 AM to 5:00 PM
Thursday
9:00 AM to 5:00 PM
Friday
9:00 AM to 5:00 PM
Saturday
closed
Sunday
closed

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Equal Housing Opportunity

Embrace Home Loans, Inc. is an Equal Housing Lender
©2023 Embrace Home Loans, Inc. NMLS #2184
25 Enterprise CenterMiddletown, RI 02842
844-263-9650

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NMLS Consumer Access

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.

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5.0
SFTP
M
Michael R
Elmhurst, IL
Posted on January 9th, 2024 07:15 PM
Held our hand through the whole process and explained in detail every step we went through. Also navigated us through a last second cyber attack at First American
Reply from Bill Bray III
January 14th, 2024 07:19 PM
Thank you for the 5-Star review. If you need anything, feel free to give us a call.
5.0
SFTP
C
Christine R
Elmhurst, IL
Posted on January 9th, 2024 01:55 PM
Very professional and got our closing done in a time of uncertainty with the title company. Also -what a good looking guy!
Reply from Bill Bray III
January 14th, 2024 01:56 PM
I enjoyed working with you. Thanks for the great feedback.
5.0
SFTP
P
Pierre Z
Potomac, MD
Posted on December 31st, 2023 02:21 PM
Bill was excellent.Bill provided incredible service during the holiday season and we were able to close within two weeks of our offer being accepted.Whenever we had a question, Bill promptly and throughly answered.I would recommend Bill to...
read more
Reply from Bill Bray III
January 5th, 2024 02:24 PM
Helping great customers like you is why I'm in this business. Thank you so much for your business and great feedback.
5.0
SFTP
R
Rhiannon S
Potomac, MD
Posted on December 29th, 2023 09:45 PM
Bill really came through to accommodate our clients' timing needs, to get us to settlement in record time!
5.0
SFTP
G
Gail M
Silver Spring, MD
Posted on December 4th, 2023 02:42 PM
Bill was very communicative and took a lot of time to patiently explain the process to us.
Reply from Bill Bray III
December 9th, 2023 02:47 PM
It was great working with you. Thanks again for putting your trust in us.
5.0
SFTP
W
William W
Silver Spring, MD
Posted on December 3rd, 2023 08:36 PM
It was truly a pleasure to have Bill as our loan officer. He was vary professional and his advice was on point to some critical aspects in our financial planning, while dealing with our current and future endeavors. I would highly recommend...
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Reply from Bill Bray III
December 8th, 2023 08:38 PM
Thank you for the 5-Star review. If you need anything, feel free to give us a call.
5.0
SFTP
J
Justin M
Silver Spring, MD
Posted on November 17th, 2023 03:28 PM
Bill did a great job thinking outside the box and being creative during a high interest time period
Reply from Bill Bray III
November 22nd, 2023 03:33 PM
Helping great customers like you is why I'm in this business. Thank you so much for your business and great feedback.
5.0
SFTP
J
Justin W
Washington, DC
Posted on November 9th, 2023 09:41 PM
Bill is the man! He is extremely knowledgeable, trustful, helpful and overall made our experience as first time home buyers a stress-free and wonderful experience. Highly recommend.
Reply from Bill Bray III
November 14th, 2023 09:45 PM
I really appreciate the feedback and am looking forward to working with you again.
5.0
SFTP
N
Nicole V
Washington, DC
Posted on November 8th, 2023 02:30 PM
Clear and transparent communication. Worked with us and made sure to tailor to our situation to make it best for us!
Reply from Bill Bray III
November 13th, 2023 02:34 PM
I really appreciate the feedback and am looking forward to working with you again.
5.0
SFTP
E
Elizabeth W
Alexandria, VA
Posted on October 29th, 2023 02:06 PM
Bill was so reliable and responsive and excelled at troubleshooting and coming up with creative solutions for us! He also was great with no sugar coating things and just telling us the plain truth about certain realities which made it easier...
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