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    Embrace Home Loans

    4.0 (8 reviews)
    Closed 8:30 am - 5:00 pm

    Services - Embrace Home Loans

    Mortgage services

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    6 months ago

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    1 year ago

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    6 years ago

    Amazing experience. Could not have gone any smoother. Do not work with anyone other than Pat Holland.

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    8 years ago

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    First Heritage Mortgage

    First Heritage Mortgage

    (21 reviews)

    The WORST! I wouldn't recommend First Heritage to anyone. The staff is unbelievably rude and…read moreunprofessional. They have no system to keep track of paperwork, they ask for the same documentation they already have over and over again. Melissa Mallory at one point said it would be easier for us to resubmit forms and records than for her to try and look for them. Cynthia Ruude lives up to her name as she just flat out refused to provide the documents she was sighting from and only agreed to paraphrase, despite repeated attempts to see the documentation myself. To speak to anyone would require multiple phone calls and emails. Additionally, not one person ever went over the process that occurs for buying a house. Our realtor had to call in to find out where things where at because Fist Heritage only responds when they need something from you. No one from this company has your best interests in mind. You will regret using this company for your mortgage needs.

    I would avoid First Heritage Mortgage without thinking twice about it. Their underwriting division…read moremissed an important detail regarding my home insurance package which later cost us over $1200 post closing. To add insult to injury once the loan closed they sold our mortgage to a loanshark servicer that handles collections. Our first mortgage payment which was made to First Heritage was not recorded properly and we are now trying to get the new servicer to apply the correct amount to our note. The new servicer is a debt collection agency and they treat every issue like you are the problem and delinquent in your financial affairs. First Heritage should be ashamed. When I tell you this has been an unpleasant experience that is being nice. First Heritage was only about getting the deal to closing and cashing our check. Avoid this company, they are one excuse after another and do not take care of their customers. To date they have never apologized only offering half truth excuses. Save yourself from this place and just don't use them. Never again, you have no idea what surprises await you once these people disappear.

    Embrace Home Loans - mortgagelenders - Updated June 2026

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