Embrace Home Loans · Lender
Embrace Home Loans
Review published mortgage options and requirements, then request a personalized quote from the lender.
Unlinked lender examples are shown separately and do not establish this program’s pricing.
Availability: This is not a commitment to lend or for a specific rate. Some products may not be available in all states; confirm programme availability with a loan officer.
At a glance
- Property use
- Second home
- Credit requirement
- 620
Still to confirm: Borrower type, Reserves.
Our take: Pros & Cons
What we like
- Financing for primary residences, second homes and rental properties.
- Fixed-rate and adjustable-rate conventional mortgages are available.
- No private mortgage insurance with 20% down; page states PMI is eliminated at 80% LTV or less.
What to consider
- Minimum FICO score620; debt-to-income requirements apply but no numerical ceiling is stated on the product page.
- Page says conventional loans often require20% down; this is not an unconditional minimum for every programme.
- Product page cites2024 conforming limits; confirm current location-specific limits with a loan officer.
AI-generated lender-level assessment based on published information. Not a verified assessment of Conventional loans — Second home; confirm program-specific conditions below.
Additional lender considerations
- SSN/ITIN, visa, foreign-credit, foreign-income and reserve requirements are not established on the reviewed product page.
Newcomer requirements
Conventional loans — Second home
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Minimum credit score
- 620
- Income documentation
- Proof of employment, income, debts, assets and intended down payment; refinance also requires successful appraisal.
- Employment documentation
- Proof of employment, income, debts, assets and intended down payment.
- Occupancy
- Second home
View full lender requirements
- Minimum credit score
- 620
- Income documentation
- Proof of employment, income, debts, assets and intended down payment; refinance also requires successful appraisal.
- Employment documentation
- Proof of employment, income, debts, assets and intended down payment.
- Occupancy
- Second home
- Other conditions
- Loans often require 20% down with some gift funds allowed; this is not an unconditional minimum. No PMI with 20% down; product page states PMI is eliminated at 80% LTV or less. Stricter DTI requirements apply, with no stated numerical ceiling.
Questions to confirm with the lender (12)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum down payment
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Property restrictions
Requirements last reviewed: Oct 26, 2026 · Official requirements source
Rates and costs
Conventional loans — Second home
Rates are available on request
No reviewed advertised rate example is linked to this program.
View unlinked lender examples — not verified pricing for this program.
How to apply
Conventional loans — Second home
- Proof of employment, income, debts, assets and intended down payment; refinance also requires successful appraisal.
- Proof of employment, income, debts, assets and intended down payment.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Conventional fixed-rate and adjustable-rate mortgages for primary homes, second homes and rental properties. Published minimum FICO score is 620; purchase and rate-and-term refinance options are available.
Legal lender: Embrace Home Loans, Inc.
Lending channel: Direct lending
Provider type: Mortgage company
Lending channels: Direct lending. Origination status: Active.
NMLS identifier: 2184
More lender directory information
Direct application information ↗
This is not a commitment to lend or for a specific rate. Some products may not be available in all states; confirm programme availability with a loan officer.
Directory verified: 2026-10-26 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 26, 2026
- Official lender source · Last checked Oct 26, 2026
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.