Grateful for Wayne Ferguson and his team for great service and coverage on my refi. Great rate, competitively low closing costs, and fast closing in about 30 days total from lock to close. I would definitely recommend and use again. Cool YETI mug gift to boot!

Working with Embrace Home Loans was not only a pleasure but also a highly professional experience. With uninterrupted help of Kristina Norris we could quickly ( within 2 weeks!) Close the purchase in Delaware. Kristina is a professional who thinks outside the box and always finds creative solutions to meet the needs if her customers. If you are ever in a trip state area of NJ, DE, PA, get Kristina Norris and she will alleviate many psinful moments from start to end if the home purchasing transaction.