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Mortgage loans for every stage of homeownership
Your financing needs can change as you move from a first home to a renovation or refinance. Embrace Home Loans can help you explore mortgage programs and provide expert support for each stage of homeownership.
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Compare home loan options
Compare first-time homebuyer loans, mortgage refinancing, and home renovation financing to better understand which loan options may fit your financial needs and homeownership goals.
Type of mortgage | Who it's for | Benefits |
| First-time homebuyer loan | Buyers purchasing their first home. | Low down payment options, including eligible FHA, VA, and USDA loan programs. |
| Mortgage refinancing | Homeowners looking to replace their existing mortgage. | Potentially lower your interest rate or monthly payment, access home equity, or consolidate qualifying debt. |
| Home renovation loans | Homebuyers or homeowners planning renovations or improvements. | Finance eligible home improvements through mortgage financing rather than a separate loan. |
Get expert help with mortgage loans
You don't need to have everything figured out before getting started. An Embrace Home Loans mortgage specialist can help you explore home loan options, understand mortgage pre-approval, and navigate the financing process from application to closing.
Buying your first home
Understand down payments, mortgage rates, and closing costs as you explore first-time homebuyer loan programs that may fit your budget.
Experienced home buying
Planning your next move? Find mortgage financing options and support for the home buying process, whether you're upgrading or downsizing.
Refinancing options
Work with an Embrace mortgage specialist to explore whether refinancing could help you lower your monthly payment, adjust your loan term, access home equity, or consolidate eligible debt.
Mortgage loan FAQs
No. Starting the application process before you begin your home search can help you understand your budget and be ready to make an offer. An Embrace mortgage specialist can explain the preapproval process and help you determine whether Approved to Move™, Embrace’s fully underwritten approval program, may be right for you.
That depends on the home price and loan program. You’ll want to plan for a down payment and closing costs, but some buyers may qualify for low down payment options or assistance programs. A mortgage specialist can help you review what’s available for your situation.
The Embrace mortgage team will review information about your income, assets, credit, and the property. You may be asked for additional documents as the loan moves through underwriting and toward closing. Timing varies by loan and individual circumstances.
All mortgage products and services provided by Embrace Home Loans, Inc. Amalgamated Bank is not affiliated with Embrace, and does not endorse these products and services. Embrace Home Loans, Inc. NMLS #2184. 25 Enterprise Center, Middletown, RI 02842. 800.333.3004 (toll free). For licensing information, go to: www.nmlsconsumeraccess.org.; CA - Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; MA - Mortgage Lender & Broker License #MC2184 NY - Licensed Mortgage Banker-NYS Department of Financial Services, 150 Motor Parkway, Suite 219, Hauppauge, NY 11788.
