1. SucceedTHE SUPPORT YOU NEED TO

2. Transition
YOUR STRESS-FREE
Support
Embrace is the place where on-boarding and the transition process have been built
with two things in mind: Your Financial Security and Your Continued Success.
Embrace guarantees a continuation of your past compensation as you ramp up.
Additionally, we provide your support bonus on DAY ONE.
At Embrace, we have ONE collective goal. We want you to succeed. That’s
it. We give you the individual support you need, starting on day one.
Our Passion
“To invest in the personal and professional development of each other – to
see others grow... to make a positive impact in the lives of others and to be
a caring and connected team.”
We welcome you and hope you will join our team.
Welcome
to Embrace!

3. SupportON-BOARDING
When you join Embrace, a dedicated Personal On-Boarding
Specialist is deployed to your location to eliminate the anxiety,
stress, and concerns associated with learning new systems by
building bridges between you and your support area and focusing on
your future success.
Teammates
SUPPORTIVE Processing, Underwriting, and Closing teammates have one goal:
Supporting your success.
Embrace is a Direct Lender with a dedicated product development
team. Our pricing strategy is a competitive combination of price
and compensation. We operate from the perspective of need-based,
margin flexibility along with aggressive government rates and
tier-based Jumbo pricing.
SupportLICENSING
Licensing can be a challenge for some but not for YOU! The Embrace
Licensing team manages over 4,000 Loan Officers’ licenses across
the country. We know how each state’s governing authority and local
testing facilities operate. And we get the job done.
Our team is also here to track and manage renewals each year so you
never have to give this a second thought. We make sure your well-
earned professional credentials remain active and without disruption.
Our Licensing team is available for a confidential consultation to
discuss your personal licensing plan whether you are looking at simply
transferring your existing license or you are undertaking the process
for the first time.
Underwriting
SUPPORT FROM Again, we solidly claim that our Underwriting communication
and common sense approach is unrivaled. Our Underwriters are
accessible and will communicate with you whenever you feel the need
to call. But that will not likely be often as they work evenings and
weekends looking for solutions, not barriers. They are committed
to clear conditions as they arrive and within 24 hours. They
are empowered with lending authority and most of the staff has
10+ years of experience, making them and you very comfortable with
complicated scenarios like thick taxes, self-employment, and lots of
investments.
There is no way at Embrace a doable deal will not get done.
You will know your Processing team. You will be GUARANTEED
LOAN REVIEWS IN 24 HOURS OR LESS. You will be updated by
email and phone regarding status changes. We believe you should
never go home at night wondering about the status of a particular
borrower and their loan.
Processing
SUPPORT FROM

4. We work swiftly and quickly to process your loans in a timely
manner. Once again, you are updated every step of the way and
Closers welcome your calls, but again, you won’t need to call.
It just gets done.
Our Closers value all their customers, both internal — that’s YOU—
and external customers. A closed loan is peace of mind for you, the
Realtor, and the customer. Embrace is the only place you will find
procedures designed to keep everyone in closing communication
and all on track to close early, or on time, every time.
Closing
SUPPORT FROM
Technology
PROGRESSIVE Stay confident that you and your team are working at your highest
level of efficiency with this centralized, unified system that combines
three core components for highly-effective mortgage sales: loan
level data and task management, prospecting and lead
management, and data and reporting. Your custom go-to
dashboard allows you to easily manage your day-to-day activities,
your referral partners, and the complete mortgage sales process
workflow from your desktop.
Support
MARKETING Your Personal Marketing Coordinator is dedicated to helping you
with all your marketing needs and you have access to a full team
of creative marketing professionals whose goal is your
success.
• Hundreds of flyers including Quick Close7TM
, Approved to
MoveTM
, loan product flyers, Why Embrace?, and many more...
• Postcard, email & marketing system
• Co-branded open house materials
We also offer support to get you in front of your Realtors:
• Lunch & Learn materials
• Branch Open House events
• Realtor Campaigns
• Assistance with CRM

5. e
m
b r a c e h o m e
l
oans
con
g r a t u l a t i o n s !
™
Embrace is also the only place you will find Approved to MoveTM
. This program has your buyers
completely underwritten and delivered a commitment letter before they find a property.
Your buyers are ready to shop with confidence and your Realtors will want more of their customers
Approved to MoveTM
when they see how quickly these loans are processed and closed.
Turn their clients into buyers today!
Awards
COUNTLESS
BEST SMALL
& MEDIUM
COMPANIES
TO WORK FOR
IN AMERICA
(FORTUNE
MAGAZINE)
INC 5000
FASTEST
GROWING
PRIVATE
COMPANIES
IN AMERICA
(INC MAGAZINE)
INC HIRE
POWER AWARD:
TOP PRIVATE
BUSINESS JOB
CREATORS IN
AMERICA
(INC MAGAZINE)
BEST PLACES
TO WORK
IN RHODE
ISLAND
(PROVIDENCE
BUSINESS NEWS)
BUSINESS
EXCELLENCE
AWARD FOR
COMMUNITY
INVOLVEMENT
(PROVIDENCE
BUSINESS NEWS)
2012, 2011,
2009, 2008,
2007, 2005,
2004
2013, 2012,
2011, 2010,
2007
2013 2014, 2013,
2012, 2011,
2010, 2009,
2008, 2007,
2006
2006
Fully underwritten
approvals — without
a property!

6. Join us!
IT’S TIME.
Embrace Home Loans, Inc. (NMLS ID# 2184) is licensed in AL, AZ (Lic#BK-0906375), AR, CA Licensed by the Department of
Business Oversight under the California Residential Mortgage Lending Act, CO (Lic#096162) Regulated by the Division of Real
Estate, CT, Licensed by the Delaware State Bank Commissioner to engage in business in Delaware (Lic#7317. Exp.12/31/2015),
DC, FL, GA (Lic#12848), ID, Illinois Residential Mortgage Licensee, IN, IA, KS Supervised Lender Licensee (#SL.0000625), KY,
LA, ME, MD, MA Mortgage Lender & Mortgage Broker (Lic#MC2184), MI, MN, Mississippi Licensed Mortgage Company, MO, NE, Licensed
by the New Hampshire Banking Department, Licensed by the N.J. Department of Banking and Insurance, NM, NY Licensed Mortgage
Banker-NYS Banking Department, NC, ND, OH, OK, OR (Lic#ML3228), PA, Rhode Island Licensed Mortgage Lender and Mortgage Broker,
SC, SD, TN, TX, UT, VA, WA, WV, WI. (www.nmlsconsumeraccess.com) Embrace Home Loans is an Equal Opportunity Employer.
At Embrace, our commitment is to differentiate ourselves by the experience we create for our customers
and our referral partners — an experience that is honoring, encouraging, stimulating, and
satisfying — and through that, the job fulfillment realized by our sales professionals: To prove that our
product is not a commodity, and our service not a transaction — unless you make it so. To be more
interested in building sustainable relationships than simply social media contacts. To build an environment
where the best and brightest talent see mortgage banking as an elite, and exciting, career choice.
Are you interested in learning more about Embrace? If so, we welcome you to join us at our Corporate
Headquarters. That’s right! You get a trip to beautiful Newport, Rhode Island. We’d love to meet you and show
you around. We’ll give you a tour of our campus and you’ll meet the team that is committed to your success.
Visit us at joinembrace.com for more information. Give us a call today if you have questions
or if you’d like to schedule your tour. We will be happy to speak with you.
We’d love to talk with you about your future success and how we can support you. Why not? It’s on us!
Hope to see you soon.
Did you know? Trivago.com, a hotel search site, has ranked
Newport, Rhode Island Number 17 on a list of America’s
“Top 20 Cities to Stay” for 2015! Come see why!
25 Enterprise Center, Newport, Rhode Island 02842
800.333.3004
www.joinembrace.com