Embrace Home Loans, Inc. offers a range of loan programs to cater to diverse borrower needs. These programs include:

1. Conventional Loans: Traditional mortgage loans available in fixed-rate or adjustable-rate options, ideal for homebuyers with good credit and stable income.

2. FHA Loans: Insured by the Federal Housing Administration, these loans are designed for first-time homebuyers or individuals with limited down payments and lower credit scores.

3. VA Loans: Available to eligible veterans, active-duty service members, and surviving spouses, VA loans provide competitive interest rates and favorable terms.

4. USDA Loans: Backed by the U.S. Department of Agriculture, these loans aim to assist rural borrowers with low-to-moderate income in financing their home purchase.

5. Jumbo Loans: Tailored for borrowers seeking higher loan amounts that exceed conforming loan limits, jumbo loans offer flexible terms and competitive rates.

6. Renovation Loans: Embrace Home Loans provides renovation loan options, such as the FHA 203(k) and Fannie Mae HomeStyle® loans, enabling borrowers to purchase or refinance a property while financing home improvements.

7. Reverse Mortgages: Designed for homeowners aged 62 and older, a reverse mortgage allows eligible borrowers to convert a portion of their home equity into loan proceeds without monthly mortgage payments.

8. Refinance Programs: Embrace Home Loans offers refinancing options, including rate-and-term refinancing and cash-out refinancing, helping borrowers reduce monthly payments or tap into their home equity.

Please note that the availability of these loan programs may vary based on factors such as location, eligibility, and underwriting criteria. It is recommended to contact Embrace Home Loans directly for more detailed information specific to your circumstances.