Mortgage Lender Reviews & Ratings » Embrace Home Loans
Key Facts
- LenderEmbrace Home Loans
- NMLS # 2184
- Overall rating4.8 out of 5
- Total reviews5
- Review sourceVerified FreeRateUpdate.com customers
- Last updated
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About Embrace Home Loans
Overview
Embrace Home Loans, Inc. is listed in NMLS records as a Rhode Island corporation with NMLS ID 2184. According to those records, the company was formed on 05/13/1983 and is headquartered in Middletown, Rhode Island.
The company website presents Embrace Home Loans as a mortgage lender offering home loan options for purchase and refinance. The site also refers to first-time homebuyers and to working with a mortgage loan officer.
Based on the website scrape provided, loan types associated with Embrace include conventional, FHA, VA, USDA, jumbo, renovation, and adjustable-rate mortgage loans.
Business Type
According to NMLS records, Embrace Home Loans, Inc. is organized as a corporation. Its state of formation is listed as Rhode Island, United States.
The company website page title describes Embrace as a mortgage lender, and the website presents both purchase and refinance paths. The evidence provided does not clearly identify the company as a mortgage broker.
Website and Branding
Publicly listed website URLs in the available evidence include http://embracehomeloans.com, http://www.embracehomeloans.com, http://widerpathhome.com, and http://www.widerpathhome.com. The Embrace website page title is listed as "Online Home Loans - Mortgage Lender | Embrace Home Loans."
NMLS trade names associated with the company include Advanced Financial Services, Inc., SimpliBorrow Home Loans, AFS Financial, Inc., Embrace Home Loans, MyAFSLoan, www.embracehomeloans.com, www.embracesimplicity.com, SimpliBorrow Mortgage, embracehomeloans.com, www.afsfitfinance.com, www.fitfinance.com, and www.myafsloan.com.
The provided website evidence for widerpathhome.com presents Wider Path Home as a 501(c)(3) nonprofit organization focused on homeownership pathways.
Headquarters
According to NMLS records, Embrace Home Loans, Inc. is headquartered at 25 Enterprise Center, Middletown, RI 02842, United States.
NMLS records list the company as formed in Rhode Island, United States. No address history was included in the provided evidence.
Years in Operation
NMLS records list the company formation date as 05/13/1983. Based on the provided current year of 2026, Embrace Home Loans, Inc. has been in operation for 43 years.
Loan Types
The company website evidence identifies purchase and refinance mortgage options. Detected loan types from the provided website data include conventional, FHA, VA, USDA, jumbo, renovation, and ARM loans.
The Embrace website also includes language directed to first-time homebuyers and refers to mortgage calculators for affordability and monthly payment estimates. The loan menu is a matter of product names here, not a promise that every borrower or property will qualify.
Licensing Footprint
Licensing information by state was not available from the provided public-source evidence at this time. The NMLS Consumer Access URL was provided, but the fetch status was listed as blocked and no licensed states were returned.
Branch locations are not the same as state licenses, so the branch-state list is not used here as a substitute for licensing data.
Scale
The available NMLS-related evidence lists 95 branches for Embrace Home Loans, Inc. Branch states shown in the evidence are AL, AZ, CT, DE, FL, HI, MA, MD, ME, MN, MO, NH, NJ, NV, NY, PA, RI, SC, VA, and WV.
No loan officer count, loan volume, or ranking information was included in the provided evidence.
Reputation
The BBB evidence provided lists an A+ rating for Embrace Home Loans, with accreditation shown as false. Because this is third-party data with medium confidence in the evidence, it should be read as a referenced BBB result rather than an NMLS record.
NMLS ID
Embrace Home Loans, Inc. is listed with NMLS company ID 2184. Readers can verify current licensing and registration information through the NMLS Consumer Access website.
Disclaimer
This lender profile is for informational purposes only. Embrace Home Loans, Inc. is listed with NMLS ID 2184.
Licensing information is subject to change. Readers should verify current license status directly with the lender or through NMLS Consumer Access before relying on any licensing or availability information.
NMLS #2184 — Verify on NMLS Consumer Access — Profile last updated: July 10, 2026
Ratings & Reviews
Frequently Asked Questions
What is Embrace Home Loans's NMLS number?
Embrace Home Loans operates under NMLS #2184. You can verify its license on the NMLS Consumer Access database at nmlsconsumeraccess.org.
How is Embrace Home Loans rated by customers?
Embrace Home Loans has an average rating of 4.8 out of 5 based on 5 reviews from verified FreeRateUpdate.com customers.
Where can I read reviews of Embrace Home Loans?
Verified consumer ratings and reviews of Embrace Home Loans are published on this FreeRateUpdate.com lender profile page.