Embrace Home Loans-Maryland - Annapolis West St, Annapolis

Scott and his team are professional, knowledgeable, responsive and helpful. We had a wonderful experience working with Scott. Loan process was very smooth, appraisal was done quickly and the closing was on time. To purchase a house at seller’s market was tough, Scott was very supportive and helped to communicate with seller’s agent about our qualifications of getting the loan, which was very helpful and appreciated. I would definitely recommend Scott and his team!

We had a great experience with Scott and his team at Embrace Home Loans. He and his team members are super responsive. As first-time homebuyers, it was great to have someone who could clearly explain the process, requirements, and documentation. We would definitely work with his team again though we hope not to be moving for a long time!

My family is selling our home to move across the country and our buyer used this company. About a week before settlement we received an email that stated the loan officer did not do a thorough enough check and failed to see that the buyer had unpaid taxes even though they were pre-approved. What kind of loan company approves an individual for a federal housing loan and doesn’t do their IRS research? I spoke with our former lender for this home and he ALWAYS checks for any tax delinquency, child support, or alimony issues. Needless to say we are still waiting on an official document of withdrawal of contract from this company. In the meantime, our house sits not listed in the housing market but not “sold” either. We also missed out on 6 weeks of potential buyers. They are neglectful and unprofessional. I now had additional finances that I need to front such as additional storage time for our POD, more mortgage payments on this home, etc. Our family will be reaching out to the CEO as well as the Better Business Bureau. Scott Phillips, My real estate agent has reached out numerous times and response times are very slow. We still have not received the formal cancellation letter from your agency nor have we gotten a signed copy of our release or our request in regards to the EMD. Please reach out to my broker to resolve this issue!!!

Always available to take my calls. Very knowledgeable in mortgage matters, polite, thorough, and efficient. Works for the best outcome of their clients. Very highly recommended.

Karla was just an amazing person to work with, not only for her expertise and dedication to processing my loan, but her patience and kindness on a personal level. From day 1 working with Karla, even from a distance under the current Covid circumstances, it was like working with a friend I'd known for years. Basically like having a friend who happens to be an expert loan officer! I highly, highly recommend her and the entire Embace Home Loan team. Tim

If you are someone who is looking to purchase or refinance. I can tell you there is no one better than Karla with Embrace Home Loans. Her professionalism and expertise through this entire process made this big decision for me an easy one. I was so very fortunate to have had her as my loan officer and for that I am very grateful for the service she provided me. I just want to say thank you very much Karla. You’re the best!

I am so happy I chose Embrace Home Loans-Maryland - Annapolis for my loan process. They stayed in communication with me to make sure I had a smooth, fast, and easy process. Everyone that assisted me was knowledgeable, pleasant, and very helpful. Thank you Embrace Home Loans!

From my initial contact with Scott and his team of Embrace Home Loans, they were very hands on throughout the entire refi process. The tailored video and worksheet of my new mortgage breakdown, follow up txts/phone calls and answered all of my questions, showed the level of professional and personal touch the team provided, I was very comfortable. I would certainly recommend this team to my family and friends!

Karla always make working with Embrace a pleasant experience. She is very patient and works to make sure that you understand everything. She is very responsive to emails and phone calls. She has such a joyous yet professional demeanor.

This is our second time working with Karla at Embrace. She is very knowledgable and professional. Process was very smooth on both occasions. There were no hiccups in the process and it was seamless. Excellent service!