The difference between Embrace Home Loans and other mortgage lenders is that we put you first. No hassle, no pressure. We know you may be uncertain about your financial future. In this economic climate, everyone is afraid. But fear is no reason to let your situation get worse. Whether you've been turned down by other lenders in the past, or are tired of your credit history never giving you a second chance, we can help.

Our Embrace Home Loans Mortgage Specialists work with you to find the best remedy to your financial situation, without preying on your insecurities or pressuring you to make a decision. We've made the process stress-free by providing accessible Mortgage Specialists who can offer you a personalized experience and with whom you can develop a real, working relationship. We know that you're looking for a fresh start. You'll have our respect and careful attention from the get-go.

Why work with Embrace Home Loans? Here are a few good reasons:

• We're fast.
  We can close your loan faster than the average bank.
• We have options.
  We have flexible programs, rates, and terms for 15- and 30-year fixed-rate and adjustable rate mortgages.
• We're convenient.
  We handle everything by phone, fax, through the internet and the mail. Get a new loan from the comfort of your home or office.
• We work for you.
  Our Embrace Home Loans Mortgage Specialists are with you every step of the way. We'll analyze your current situation and send you a custom Loan Kit for your review so you can take action.
• We're open-minded.
  Use the money from your Embrace Home Loan any way you want. Reduce your debt. Remodel your home. Pay medical bills. Buy a new car. Pay for college. This is your fresh start.
• We don't employ middlemen.
  Embrace Home Loans is a direct lender. There are no brokers or other intermediaries involved when you work with us.
• We're always accessible.
  We'll call you to keep you apprised of your loan's status, or you can follow the progress of your loan-any time, from anywhere-on your Personal Embrace Home Loans website.

About Embrace Home Loans

We're a direct lender for Fannie Mae, Freddie Mac, and an approved Ginnie Mae issuer for FHA insured mortgages. With Embrace Home Loans, you can get the loan you need. As a direct lender, you deal with us, and only us. We'll lend you the money you need, whether it's for a new home, a home renovation, a college education, or to get ahead on your high-interest debt. And we can do it in as little as 21 days. Don't put off your brighter tomorrow. Fill out our quick, no-obligation, and confidential form. Or call 1-800-620-6292.