Embrace Home Loans, Inc. offers a range of loan programs tailored to meet the diverse needs of borrowers. These programs include:

1. Conventional Loans: Traditional mortgages with fixed or adjustable interest rates, available for primary residences, second homes, and investment properties.

2. FHA Loans: Backed by the Federal Housing Administration, these loans offer low down payment options and flexible qualification requirements.

3. VA Loans: Exclusive to eligible veterans, active-duty service members, and their spouses, VA loans provide financing with no down payment and competitive interest rates.

4. USDA Loans: Designed for low-to-moderate income borrowers in rural areas, USDA loans offer 100% financing and favorable terms.

5. Jumbo Loans: Non-conforming loans that exceed the maximum loan limits set by Fannie Mae and Freddie Mac, ideal for financing high-value properties or luxury homes.

6. Renovation Loans: Borrowers looking to purchase or refinance a home in need of repairs or upgrades can benefit from renovation loan programs, such as FHA 203(k) and Fannie Mae HomeStyle.

7. Reverse Mortgages: Available to homeowners aged 62 or older, reverse mortgages allow seniors to convert a portion of their home equity into cash while retaining ownership.

8. Adjustable-Rate Mortgages (ARMs): These loans offer an initial fixed-rate period followed by adjustable rates, providing flexibility for borrowers who plan to move or refinance in the near future.

Please note that specific eligibility criteria and program details are subject to change. It is recommended to contact Embrace Home Loans, Inc. directly or visit their website for the most up-to-date information and further guidance on the loan programs they offer.