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25 Enterprise CenterMiddletown, RI 02842
844-263-9650

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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.

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3.0
SFTP
V
Valerie M
Ellicott City, MD
Posted on August 13th, 2021 06:25 PM
Clear communications. I was told that I was cleared to close and then was asked for more documents that could have been requested earlier. The closing was delayed due to embraces delay getting the title company the necessary paperwork. Although...
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5.0
FTP
C
Celeste L
Owings Mills, MD
Posted on June 11th, 2021 01:50 PM
I have bought and sold several homes with Embrace Home Loans over the years. Embrace is my go-to company for all real estate transactions.
5.0
FTP
S
Song Z
Columbia, MD
Posted on June 10th, 2021 01:02 AM
This is the 6th time we have worked with Tim and his team. Each time he delivers superb service and great results. However the job we gave him this time is more challenging than previous ones. We had to overcome multiple obstacles to achieve...
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3.0
FTP
M
Matthew C
Silver Spring, MD
Posted on May 19th, 2021 09:38 PM
Loan amount was <$500k. Doc requests seemed onerous. Tax returns + bank statements are understandable. After that showed I've got $5 million at Vanguard and annual income of >$250k, your team came back with multiple additional requests: copies of client contracts, other proof that my business exists, a signed statement that we aren't part of an HOA, etc. (How high would HOA dues have to be to deny...
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5.0
FTP
I
Inessa M
Pikesville, MD
Posted on May 19th, 2021 02:37 PM
Responsiveness and level of expertise
5.0
FTP
R
Ross D
Alexandria, VA
Posted on March 24th, 2021 03:48 PM
Devin and Meghan were fantastic throughout the entire refinance process. I could not be happier and will 100% come back when rates drop again!
5.0
FTP
S
Sharmila N
Laurel, MD
Posted on June 15th, 2020 03:51 PM
This is my second transaction with Tim Higgins, and he is just as knowledgeable as ever. I swear, he and his team will walk on water for their clients in order to get them the best possible outcome. I had the pleasure of working with Devin...
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4.0
FTP
K
Kristin H
Arnold, MD
Posted on May 28th, 2020 12:40 PM
We enjoyed working with this great team!
4.0
FTP
J
Justin T
Annapolis, MD
Posted on May 6th, 2020 12:59 PM
It went well
5.0
FTP
R
Ross D
Alexandria, VA
Posted on April 8th, 2020 02:00 PM
Devin Reinhold and Jen Kain were absolutely fantastic. Tim is lucky to have them on his team. They are both extremely knowledgeable, diligent, responsive, and all around great to work with. I will definitely continue to work with Tim and his...
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