Embrace Home Loans - YouTube

(Music) Your home reflects your style,

your personality, so when these

newlyweds became tired of their outdated

kitchen they started looking into

refinancing their home.

Hi, so great to meet you!

Seth, hi!

Nice to meet you.

Today they are meeting with Brad a loan

officer from Embrace Home Loans to

discuss their options.

I met with Seth and Lindsey, a nice

couple who have owned their home for a

couple years.

They wanted to talk about

refinancing so they could get cash out

to make those renovations.

I remember you

telling me you put some money down

originally so it I think we have some

equity to work with.

Yes.

So you can get some

money out to do.

Yes, thank goodness.

So let me tell you about the

process.

Okay.

At Embrace Home Loans they can help you

buy the home of your dreams or make your

current home all that you want it to be.

What type of upgrades are you looking to

do within the kitchen?

We want maybe more

contemporary because right now it's a

little bit 90s.

Definitely the counters and countertops,

appliances.

Makes sense, how long

have been in the home?

Two years.

Two years, okay yeah great!

Since mortgages are all they do you can

rest assured that they'll do it fast and

they'll do it right because at Embrace

the customer is their priority.

We've been around over 35 years and 46

states and D.C.

We know the ins and outs of

mortgage lending and have found that our

different approach, one that puts the

customer first and absolutely every step

of the process makes a difference.

We believe in this goal so strongly

that each employee is empowered to do

what they need to do to ensure we

meet this goal.

This commitment is what attracts

people to work at Embrace so you get

happy people who genuinely care and want

to work with you.

Brad showed Seth and

Lindsey the simple online refinancing

process and also cleared up a few

misconceptions about home loans too.

One misconception most people have

is about down payments.

Everyone thinks you need

20 percent down to find affordable

financing options.

Nope, not true.

There are so many loan products out

there for every different need and we can

find the one that works best for people

just like Seth and Lindsey.

Refinancing is just one

of the many solutions Embrace Home Loans

offers.

Another challenge a first-time or

for that matter any time homebuyer might

face in today's market is a lack of

inventory.

Too many buyers not enough

houses.

There are often multiple offers

on a single property for sale.

Competition's fierce that's causing

prices to go up.

Buyers who are not

pre-approved can find themselves unable

to get an offer submitted quickly enough

and sadly they lose out on the home of

their dreams.

Which is why Embrace came

up with a proof to move.

A proof to move

is powerful.

Each buyer is just as good

as a cash buyer and by changing the

timing and tasks associated with the

loan process we can get buyers an actual

loan approval before they even start to

look for a home.

Not a flimsy basic

pre-approval, a full approval.

The loan application is fully

underwritten we run their credit and complete the

verification of their income and assets.

We meet all program conditions up front

we even provide them with a loan estimate which tells them

exactly what they will pay.

Many believe that a basic

pre-approval will do the trick when in

fact in most cases a basic pre-approval

is not that hard to come by at all.

Every lender will tell you that they

offer one.

It's what's behind the pre-approval that

matters to a realtor and a seller and

that is where we distinguish ourselves.

This is how we put our customer first, we

turned our mortgage process completely

upside down and created our approved to

move program.

Want to see what Embrace

Home Loans can do for you?

We continue to

challenge ourselves every day to innovate and achieve new levels

of satisfaction that we can bring

to the customer experience.

In Seth and Lindsey's case a cash out

refinance will give them the added money and

flexibility for their kitchen redesign.

Buying or refinancing a home should be

an incredibly fulfilling experience, not

something you dread.

Yes sometimes it's

challenging but leave the challenges and

the mortgage up to us.

Enjoy your

experience of making a house a home!

Go to Embrace Home Loans dot com

forward-slash designing dash spaces

Coming up Rhonda will show you an easy

way to keep your gutters clean!

(Music) You can

visit these websites to learn more about

the participants on this edition of

Designing Spaces!