About Us

Advanced Financial Services is now Embrace Home Loans. More than a new name, it's our way of reaching out to say "thank you" to the customers we've served for over 26 years. For the warmth and kindness you've shared in the hundreds of letters paying tribute to the extraordinary people who've been a part of our family. It's been an honor and a privilege.

As a pioneer in mortgage lending, we remain a prominent leader in the industry today. Embrace Home Loans is a direct lender for Fannie Mae, Freddie Mac and is an approved issuer for Ginnie Mae. We are a HUD-approved lender for FHA insured mortgages. Embrace Home Loans is licensed in 46 states. Since 1983, we have helped over 150,000 individuals and their families purchase new homes, lower their monthly payments, and consolidate high-interest debt so they can enjoy some extra spending money. In the last 12 months, our mortgage specialists helped arrange over $2 billion in homeowner loans - all over the phone and online!

We have the experience and the resources to be your mortgage lender for the long haul. When you work with Embrace Home Loans, there's no middleman; Embrace is a direct lender. We don't make decisions exclusively based on your credit history, because we want to lend to people, not numbers. You won't pay an application fee, and we arrange your entire loan over the phone with the option to close in as few as 21 days.

From our corporate headquarters in Rhode Island, we employ over four hundred Mortgage Specialists and supporting staff to provide you with the personalized home financing you need to reach financial stability and achieve your dreams.

Our Embrace Home Loans Mortgage Specialists will be happy to lend you a hand in choosing the right loan product for your situation. We are an active member of the Mortgage Banker's Association of America. We're also a direct lender for Fannie Mae, Freddie Mac, and HUD. We are an Equal Housing Lender and an accredited business of the Better Business Bureau.