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https://www.embracehomeloans.com/location/delaware/wilmington/theresa-miglino
Senior Loan Officer NMLS# 453791
Theresa Miglino is a trusted mortgage professional in Wilmington, DE 19807
Theresa is a dedicated loan officer who helps clients navigate the process of purchasing or refinancing real estate, offering expert guidance and personalized service every step of the way. Whether working with first-time homebuyers, clients looking to refinance, or those exploring financing opt...
2025 Coastal Style
5 (5 stars)
Shirley D. from Dover, DE
Completed transaction in April 02, 2026
Theresa's knowledge, compassion, communication, and energy were amazing. Her connection with buyer exceeded expectations. She maintained communication throughout the entire process.
5 (5 stars)
Kenneth W. from Dover, DE
Completed transaction in April 02, 2026
Gave me a great experience as to how loans work for buying a house, always on the ball on estimates, and was very patient with me when I needed her assistance.
5 (5 stars)
Erica L. from Smyrna, DE
Completed transaction in April 07, 2026
Working with Theresa was an incredible experience from start to finish. Her communication, knowledge, and dedication made the entire process smooth and less stressful. She went above and beyond every step of the way, and I truly couldn't have asked for a better partner for my clients. I highly recommend Theresa to everyone and I look forward to working with her again!
5 (5 stars)
Brian R. from Smyrna, DE
Completed transaction in April 07, 2026
Theresa was absolutely wonderful to work with, She had our loan approved within a day when other lenders could not get it done, It was the most wonderful, stress free experience when purchasing a home is stressfull , Well not if you are dealing with Theresa, She was available to us 24/7. The closing went flawless and she had us close in 2 weeks. We have bought multiple homes in the past and it was very stressful . We are retired now and were looking to downsize witth a VA Loan which so many company's have no knowledge of but Theresa didn;t blink, she knew it all and what the VA offered . This is our forever home. I wish we would have met Theresa long ago.. I also already recommended her to a friend who is getting a reverse mortgage. She is amazing, To all of you who need a loan, quick, smooth and no stress, Please use Embrace with Theresa you will be so happy you did as we are !!! She will get it done!!!
5 (5 stars)
Gregory S. from Dover, DE
Completed transaction in March 03, 2026
Excellent communication reply to every emails and calls. Always availabe to answer any and all questions.
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Explore your options and take advantage of your mortgage opportunities
APPLY NOWYes. Theresa Miglino can help you explore low and no down payment options, including FHA, VA, USDA, and exclusive Embrace programs. You may also qualify for local or state assistance depending on your income and location.
Getting pre-approved is simple. You can apply online, schedule a call, or meet with Theresa Miglino at our Wilmington branch. We’ll review your income, credit, and homebuying goals, then issue a personalized pre-approval letter. Many buyers choose Embrace’s exclusive Approved to Move program, which goes beyond standard pre-approval by fully underwriting your loan upfront.
Embrace Home Loans is a trusted mortgage lender serving Wilmington and nearby communities. Our local loan officers offer personalized guidance, competitive rates, and exclusive loan programs designed to support homebuyers from pre-approval through closing. Whether you're a first-time buyer or refinancing, Theresa Miglino is here to help you reach your goals.
Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Theresa Miglino will help you compare fixed vs. adjustable rates, down payment requirements, and loan terms and guide you toward the best fit for your situation, whether you're buying your first home or your fifth.
The best mortgage depends on your credit, income, and long-term financial plans. Government-backed loans often offer flexible guidelines, while conventional loans may offer lower rates and reduced fees. Theresa Miglino will walk you through your options and help you find the right fit.
4.99 (54 Reviews)
