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Embrace Home Loans

4.0 (8 reviews)
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Services - Embrace Home Loans

Mortgage services

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5 months ago

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7 years 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)

Didn't deal with someone in person at this location but Kristina O'Neill was who our realtor…read morerecommended and was our loan officer and she was of great assistance while we spent the past 4 months looking at houses and putting in several offers. She was able to work with us as we constantly changed offer amounts through the 5 homes we looked at and was able to get us a loan that worked out. First Heritage's rates were slightly better than what we looked at with bigger named companies like Wells Fargo, Bank of America, Navy Federal, etc. So we ended up sticking with them.

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.

Embrace Home Loans - mortgagelenders - Updated May 2026

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