WISH YOU HAD THE PRODUCTS TO GET EVERY CLIENT ACROSS THE FINISH LINE?

APPROVED TO MOVE

With Approved to Move, your clients have a fully underwritten approval that’s virtually as good as a cash offer, helping them stand out to sellers.

GUARANTEED ON-TIME CLOSING

With Guaranteed On-Time Closing (GOTC), if your client misses their closing and it’s our fault, we’ll pay them $2,500 within 30 days of closing. Simply submit the documents within five days of the application, and your client could qualify.

BEYOND

Beyond by Embrace was created for borrowers who are self-employed, have nontraditional financial situations, or want to purchase investment properties and second homes. With these loans, they qualify by showing cash flow from bank statements instead of tax returns.

AFFORDABLE HOUSING LOANS

Not every borrower has a big down payment or a perfect credit score. We offer affordable loans that fit tight budgets. And under certain circumstances, our underwriting fee and pricing adders are waived!

“Approved to Move has been a huge positive for both my clients and me. Being able to shop with a loan commitment is a game changer. From a personal perspective, I take comfort in the fact that the loan is already completely underwritten.”

– Thomas B. Trott, Jr., Branch Manager

MORE PRODUCTS & UNIQUE PROGRAMS

RENOVATION AND REHAB LOANS

We offer FHA Full 203(k), FHA Limited 203(k), and Fannie Mae’s HomeStyle^® renovation loans. Improvements can range from minor updates to total fixer-uppers.

EXTENDED RATE LOCK

We can lock rates for up to 360 days*, allowing your clients to buy or build with confidence.

CONVENTIONAL LOANS

Often cost less than FHA loans
May make expensive home purchases possible
Available as fixed-rate and ARM

FHA LOANS

Down payments as low as 3.5%
FICO^® Scores as low as 580
Single-family, multi-unit, condos, manufactured homes
Down payment can be covered with gift funds

USDA LOANS

No down payment required
Below-market rates
No private mortgage insurance (PMI)
No maximum loan limits

VA LOANS

Little-to-no down payment
Have a government guarantee
No prepayment penalty
No private mortgage insurance (PMI)

DEBT SERVICE COVERAGE RATIO (DSCR) PROGRAMS

FICO^® Scores as low as 660
Qualify based on property’s rental income
Up to 20 financed properties allowed
30-year loan option

HOMEREADY^® & HOME POSSIBLE^®

We offer two home-buying programs designed for low-income borrowers with down payments as low as 3% and FICO^® Scores starting at 620.

REFINOW™ & REFIPOSSIBLE^SM

Our two refinancing programs are designed to meet low-income homeowners’ needs by helping to reduce their monthly payments and offering lower out-of-pocket closing costs.

JUMBO LOANS

We’ve created our own simplified Jumbo loans. They’re underwritten in-house, have competitive rates, and a variety of terms.

FIRST-TIME HOMEBUYER LOANS

We offer loans tailored specifically to first-time homebuyers. Under certain circumstances, our underwriting fee and specific pricing adders are waived.

INVESTMENT PROPERTIES

We have flexible options for investment property financing from traditional loans to DSCR loans, which are a great alternative to hard money loans.

BUILDER PROGRAMS

Working with builders is our specialty. We have more to offer you and your customers than other lenders — like local builder-specialized operations and new construction-certified appraisers.

CONDOS & CO-OPS

We’re leaders in condo and co-op lending and have an in-house support team with over 30 years of experience, making the process simple and speedy.

To learn more, contact us.

*Not a commitment to lend. Conditions and fees apply. Embrace Home Loans reserves the right to cancel this offer at any time. Interest rates are determined on the day you lock your rate. If published rates fall below your locked rate, Embrace will allow a one-time offer to re-lock at the lower rate.