Embrace Home Loans-Virginia - Richmond N Parham Rd, Richmond

Rick Eaheart at Embrace Home Loans is a superb loan officer. I started with him as a first time home purchaser and he helped me find a superb realtor, Kelly Bump. There are several things Rick did to make sure I felt acknowledged, fully aware of everything, and know what works best for me. • Rick was always prompt. I didn't feel like I need to follow up on emails and knew he would respond to urgent items asap. • Rick always made me feel like I was his number one priority when we talked. I know he juggles many clients at once but I never got the impression that he was rushing me along so he could get to the next person. • Rick never pressured me. I spent several months interacting with him where I didn't make any serious offers and I never got the impression that I needed to make an offer or he'd stop interacting with me. He also never tried to guide me to a large mortgage then I wanted. I looked at a variety of price points and never felt pressure one way or the other. • Rick was an over communicator for the loan process, which I count as a positive as a first time home purchaser. There was a lot I didn't know and Rick was willing to spend the time to walk me through everything and answer my questions. • Rick was willing to run some last minute what-if scenarios so I could fully understand all my mortgage options. Again never feeling pressured and I felt that Rick fully explained his thoughts on those scenarios.

Filled out the application online, specifying I was applying for an FHA loan. Rick called me the next day, and asked only if we were working with another lender before he pulled our credit, said he’d pull our credit and then get back to me. We contacted him by email that evening and he replied the next morning letting us know that his establishment requires a 640-700 credit score for FHA loans. Which as first time home buyers using an FHA you may (as it’s your area of expertise) inquire as to why we would be using that specific loan BEFORE running our credit. Mr. Earnheart then went on to condescendingly explain “homes nowadays” don’t cost the amount we were asking for (even after explaining on the phone call, unprompted, that I found a specific property that was this much).

Rick and his team are excellent to work with and prompt with responses.

Mr Rick made the whole process easy!!

Rick Eaheart has been extremely helpful since the first day of our house search. We used him for buying and refinancing and he made both experiences as easy as possibly. Highly recommend!

Agent Rick Eahart is the man to see for a stress free ,step by step home loan process.

Mr. Eaheart made himself available and took the time to explain the process.