Mortgage company · complaint record

Is Embrace Home Loans legit?

Embrace Home Loans is a real mortgage company with a public complaint record: 150 complaints since 2012, and it is still answering them. It answered 66.7% on time and closed 0% with relief. A complaint record shows how a company treats people when things go wrong - it doesn't prove wrongdoing, and bigger companies get more complaints.

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Not ratedResponse Score

Rated once a company has 25+ complaints in 12 months. How it works

What the record shows

Good signs

Not enough on record to call any out yet.

Red flags

Slow to answerOnly 66.7% of complaints answered on time.

From the complaint record only. A company can be legitimate and still not be right for you; a company with few complaints may simply be small.

Complaints on record: 150
Last 12 months: 3
Answered on time: 66.7%
Closed with relief: 0%
Last 30 days: 0
Rank: #250 of 595

How to check Embrace Home Loans yourself

Use contact details you found yourself. Go to the company's own website or the number on your card or statement - never a number or link from a text, email or caller.
Check its licence. Lenders, servicers and money transmitters are usually licensed by the states - search NMLS Consumer Access and your state's financial regulator.
Read the latest complaints. Look for the same problem again and again in the complaint log, and at how they were answered.
Read people's own experiences. See what others say about Embrace Home Loans, and add yours.
Get everything in writing before you pay, sign or share anything.

More: how to check if a company is legit · how to spot financial scams

Your rights with mortgage lenders & servicers

Your mortgage servicer must correct errors you report in a written notice of error and answer written requests for information, usually within 30 business days. It must apply payments on the day they arrive, and it generally cannot start foreclosure until you are more than 120 days behind or while a complete loss-mitigation application is pending.

Scam warning: Be careful of anyone who charges up front to save your home, tells you to stop paying your servicer, or asks you to sign over the deed. HUD-approved housing counselors help for free.

General information, not legal advice; rules vary by state. Plain-English guides

Experiences with Embrace Home Loans

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Have you dealt with Embrace Home Loans? Tell people whether it was legit in your experience.

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Questions people ask

Is Embrace Home Loans a real company?

Is Embrace Home Loans a scam?

Its record shows a real mortgage company that answers complaints through the official process (66.7% on time). Scammers often pretend to be well-known companies, though: if someone contacts you claiming to be Embrace Home Loans, hang up or delete the message and contact the company using details you found yourself. Be careful of anyone who charges up front to save your home, tells you to stop paying your servicer, or asks you to sign over the deed. HUD-approved housing counselors help for free.

Can I trust Embrace Home Loans?

Look at the trend and the answers rather than the total: Embrace Home Loans closed 0% of complaints with relief and complaints are too new to show a trend. Read the experiences from people like you.

What should I do if Embrace Home Loans won't fix my problem?

Put it in writing to the company, keep copies, then file an official complaint - companies must answer. See what to do if a company ignores your complaint.

Is Embrace Home Loans legit? Tell us

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Complaint records are public consumer complaints filed with U.S. regulators, checked 9 minutes ago (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works