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Embrace Home Loans Complaints & Reviews

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Embrace Home Loans - Rhode Island, Newport - Failure to close loan

Posted: 2013-08-16 by    Timothy Cansdale
Complaint Rating:  83 % with 6 votes
Embrace Home Loans is the worst lending institute you could ever deal with. They make all kinds of claims of attractive rates, quick closing time frame, and an experience lender. The odyssey began with solicitation in the mail, after a phone call they seemed like a good option for a loan on are new home. They claimed we would close in 3 weeks as long as credit worthiness and documents submitted in a timely manner. Well first it was issues with appraisal, then we need more financial info, then another appraisal, then on going request for more and more endless request for tax returns, bank statement,...
Complaint comments Comments Complaint country United States, Rhode Island, Newport Complaint category Loans

Embrace Home Loans - Rhode Island, Middleton - Joshua hankins

Posted: 2012-11-05 by    Ann Marie hulse
Complaint Rating:  100 % with 10 votes
Joshua Hankins is the worst employee of this company. If u call and get this man ask for some one else. Would not answer phone calls or emails. When u finally get him on the phone after many days of phone calls and emails he says he needs I more piece of info and that u will get your loan. Then the phone calls and emails start all over again. He won't answer.we kept asking yes or no . Please answer us, even if it's no .he could of gave us some consideration.he wasted months of our time.don't let him do this to u ....
Complaint comments Comments Complaint country United States, Rhode Island, Middleton Complaint category Loans

Embrace Home Loans - Maryland, Rockville - Poor service

Posted: 2012-07-20 by    Customer with a high credit score
Complaint Rating:  100 % with 11 votes
Loan officer at the this Branch stated he had the program I needed. He requested typical documents required for the loan. All documents requested were provided. Loan officer then says the documents provided were not sufficient to approve the loan. I asked for specifics but he refused to comply. I offered solutions or suggestions but he was uncooperative. I asked for a formal letter of denial but it never arrived. Another well known lender was able to qualify me based on the same documents provided to Embrace but the other lender did not have the program needed. It appears to be bait and switch or...
Complaint comments Comments Complaint country United States, Maryland, Rockville Complaint category Mortgage Companies

Embrace Home Loans - Rhode Island - Integrity

Posted: 2012-01-31 by    rukiddinme
Complaint Rating:  96 % with 25 votes
I really start to question the actual knowledge, that the LO's of Embrace Home Loans have, when I'm dished out a pile of BS, just to get me to apply for a mortgage loan through their company. I recieved one of their solicitations once, back in 2009, so I was curious, and spoke with a guy named Ian Aubourg. He tried selling me on a mortgage refinance, went through quoting the rate, the reputation of the company, and then tried to sell me on the fact, that they would take my escrow money, which is supposed to be used to pay my RE taxes and my homeowners insurance, and they'll invest...
Complaint comments Comments Complaint country United States, Rhode Island Complaint category Mortgage Companies

Embrace Home Loans - Rhode Island, Newport - Re-Financing

Posted: 2011-05-18 by    PascagoulaPotters
Complaint Rating:  95 % with 80 votes
We received a mailer from Embrace Home Loans offering a re-finance. This seemed to be an attractive offer and the representative, Chad Hickman, was very helpful initially on the subject of our refinancing. Oh yes, it would be a great think to do, considering we already have excellent credit. We paid the $375 on credit card for the appraisal. Some guy turned up in a beat up pick-up truck and appraised our home at 1/3 of the price it was worth. Comparing the prices of other homes in the neoghborhood (2 of which have to be sold for very little because ole people need the money to be in nursing homes,...
Complaint comments Comments Complaint country United States, Rhode Island, Newport Complaint category Loans

Embrace Home Loans - Rhode Island, New Port - They take your money and won't call you back

Posted:    MA Pruette
Complaint Rating:  96 % with 654 votes
I called Embrace Home Loans about a mortgage after receiving an offer in the mail. After I called, they immediately charged me $375.00 for a mortgage appraisal. I have tried to get them to return my phone call now for over 2 months with no avail. I believe thay have scammed me for the $375.00... I have also called and left messages with my account managers, manager with the same results. Today I called and asked to talk to the President David Noyce. They wouldn't transfer my call, making me wonder if the individual even exists. I received a response back from them today through my complaint...
Complaint comments Comments Complaint country United States, Rhode Island, New Port Complaint category Mortgage Companies

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