Embrace Home Loans-Virginia - Fredericksburg Emancipation Hwy, Fredericksburg

Dena was amazing she guided me in the best decisions in regards to the refinance process and at the same time wasn't pushy. She worked around the clock outside of the traditional 9-5 hours to answer all my questions even on the weekend. If there was something she was not sure of she was honest about it and consulted with her team to ensure you provided the correct answer. Also Valerie was amazing she also worked around the clock and made the final steps in the process so easy and comfortable for my family and I. The are truly a amazing team and I look forward to doing business with both of the them in the future. I can tell they both love what they do and as a business owner there is nothing more valuable then to have someone on your team that loves their job and also listens and treats the customers with respect and patience. Thanks for reading.

John was wonderful to work with! He was quick to respond and made the complicated understandable. He was patient to explain all my loan options and the loan process itself went very smoothly. I would not hesitate to recommend him to family and friends!

My wife and I had the opportunity to work with Mr Rusty Cowper. From start to finish he always kept us abreast of what was going on, what documents we needed, timeframes to expect, and having the wherewithal to get us the right percentage rate. If you have an opportunity to work with Rusty grab it ... you won't regret it. Thanks Rusty and Embrace Home Loans for helping get us our dream home!

GO WITH CONFIDENCE!!! Dena and her team are amazing!!! They were there every step of the way. Very friendly, knowledgeable, and kept me informed with no surprises. Dena took the time to explain the processes and terms that were once foreign to me, but also sought out getting the best rate possible. Prompt responses and stellar professionalism. For a VA/first-time home buyer, I couldn't have asked for a better person to work with.

I was a first time homebuyer, and Scott and his team walked me through the process from the very beginning to closing on my beautiful home. I wasn't sure of the right loan program to go with, and Scott helped me find the perfect one for my needs. Scott and his assistant, Jacob, were very responsive, always answering questions and responding very quickly. Scott had me approved for my loan far in advance of closing so that it was as stress-free as possible. He is knowledgable and very experienced in the industry, and I would highly recommend him for your mortgage needs!

Dena Cooke did an awesome job. She kept us informed so there were no surprises and walked us through the entire process. It is always so nice to have someone on your team when doing unfamiliar business. Absolutely recommend Dena.

I have worked with Scott on over 30 deals in the past couple years. He has always worked his hardest to make sure even my clients with the most difficult financial situations were taken care of to the best of his ability. Our transactions have gone smoothly and efficiently. Sometimes this business requires thinking outside of the box and he is always ready to tackle those ones I bring to him. Highly recommend!!!

We have worked with Scott on two home loans now, he was there when we bought our very first home and now was there for our second home purchase! We were selling and buying at the same time, so that was a fun situation to say the least. Working with Scott was fantastic! He was professional and informative at every turn. He was there every step of the way and was constantly keeping us updated on the timeline and answering any questions we had. If we ever decided to buy another house we would not hesitate to work with him and his company again!

Scott worked with us every step of the way on our journey. He was so knowledgeable and committed to making our dream of homeownership come true. He was always available- day or night and offered sound advice and guidance. We worked with him for almost a year and he never rushed or pushed us in the wrong direction. Scott was patient and gave an outline of what would be best for our situation. We followed the steps he suggested and now we are in the house of our dreams. Scott and Amanda (his assistant) are truly amazing! They treat you like you are their only client and help make the process manageable. If I could give more than 5 stars I ABSOLUTELY would!

Scott Livingston is exceptionally knowledgeable, helpful, and courteous. He went above and beyond what we expected as first-time homebuyers. He took a lot of time to educate us on our options and make us feel comfortable with the financial specifics – so patient with our ignorance. He found the perfect loan for us - one we’d never heard of and didn’t expect to qualify for. His team was diligent and trustworthy in assembling all the paperwork and clearly explaining what they needed from us. We were so hesitant when starting the process, but he made us feel comfortable instantly! He even provided a helpful recommendation for a local realtor who was truly as great as he was. Thanks for all you did for us, Scott!