Jeff Gaccione - RI Mortgage Pro NMLS #20461

Call Directions Website Contact the business

Jeff Gaccione - RI Mortgage Pro NMLS #20461 Mortgage Loan Officer with Embrace Home Loans | Helping families achieve the dream of homeownership for 20+ years. NMLS #20461

Serving RI, MA, CT & beyond with purchase, refinance & equity solutions. Jeff Gaccione
Senior Loan Officer/Sales Manager (NMLS # 20461)
Embrace Home Loans (NMLS # 2184)
25 Enterprise Center
Newport, RI 02842
(401)344-3348
(401)419-6734 (cell)
[email protected]

I'm a licensed MLO in: RI, MA, CT, CA, DE, FL, GA, ID, IL, IN, KS, CO, NC, NE, NJ, NY, OH, OK, PA, AR, TN, TX, and VA.
- Equal Housing Lender
- www.nmlsconsumeraccess.org


Corporate Licensing: http://www.embracehomeloans.com/about-us/licensing

Founded in 1983, Embrace Home Loans is a direct lender for Fannie Mae and Freddie Mac, approved by FHA and VA, and an issuer for Ginnie Mae. Embrace Home Loans has remained a prominent leader in the industry, having helped hundreds of thousands of individuals and their families purchase new homes, lower their monthly payments and consolidate high-interest debt since its inception. Please feel free to contact the BBB and ask about our "A" rating. Their direct number is 508-652-4800. Embrace Home Loans is more than a name, it's our way of reaching out to say "thank you" to the customers we've served for over 26 years. For the warmth and kindness you've shared in the hundreds of letters paying tribute to the extraordinary people who've been a part of our family. It's been an honor and a privilege. As a pioneer in mortgage lending, we remain a prominent leader in the industry today. Embrace Home Loans is an approved lender for Fannie Mae and Freddie Mac, approved by HUD for FHA insured loans, approved by VA, and an issuer for Ginnie Mae. Embrace Home Loans is licensed in 46 states. Since 1983, we have helped hundreds of thousands of individuals and their families purchase new homes, lower their monthly payments, and consolidate high-interest debt so they can enjoy some extra spending money. In the last 12 months, our mortgage specialists helped arrange over $2 billion in homeowner loans - all over the phone and online! We have the experience and the resources to be your mortgage lender for the long haul. When you work with Embrace Home Loans, there's no middleman; Embrace is a direct lender. We don't make decisions exclusively based on your credit history, because we want to lend to people, not numbers. You won't pay an application fee, and we arrange your entire loan over the phone with the option to close in as few as 21 days. From our corporate headquarters in Rhode Island, we employ over four hundred Mortgage Specialists and supporting staff to provide you with the personalized home financing you need to reach financial stability and achieve your dreams. Our Embrace Home Loans Mortgage Specialists will be happy to lend you a hand in choosing the right loan product for your situation. We are an active member of the Mortgage Banker's Association of America. We are an Equal Housing Lender and an accredited business of the Better Business Bureau.

10/20/2026

🏡 What If a Price Reduction Isn’t the Best Strategy?
In today’s real estate market, getting creative can make all the difference!
One strategy we’re exploring at Embrace Home Loans combines two powerful tools:
✅ Property Value Certificate (PVC) — Helping establish a home’s value upfront and reduce appraisal uncertainty.
✅ Seller-Paid Mortgage Rate Buydown — Using a negotiated seller credit to help buyers enjoy reduced mortgage payments during the first few years of their loan.
The goal? Help sellers preserve more of their sales price while making the home more affordable for potential buyers. A potential win for both sides! 🤝
🍂 And don’t overlook the fall and winter market. I’ve personally purchased two homes in December! Less competition can mean more opportunities to negotiate.
Buyers: There may be more options available than you realize.
Realtors: Have a listing that’s sitting? Before recommending another price reduction, let’s explore what creative financing could accomplish.
Sometimes it’s not about lowering the price. It’s about finding a better way to structure the deal!
📲 Let’s run the numbers!
Jeff Gaccione | Embrace Home Loans
📞 (401) 419-6734
đź“§ [email protected]
NMLS #20461
RhodeIslandRealtor HomeBuyingTips EmbraceHomeLoans JeffGaccioneMortgage GaccioneHomeLoan PVC

Rising interest rates have made buying a home difficult for so many. Are you waiting for the market to change? Well, don...
10/19/2026

Rising interest rates have made buying a home difficult for so many. Are you waiting for the market to change? Well, don't! With our temporary buydown program, you can get a lower rate NOW. Reach out to learn more.

http://www.embracehomeloans.com/loans/deflate-the-rate

🏡 Helping Homeowners Reach Their Financial Goals — One Refinance at a Time!I really appreciate this fantastic review fro...
10/16/2026

🏡 Helping Homeowners Reach Their Financial Goals — One Refinance at a Time!

I really appreciate this fantastic review from Clyde in Ocala, Florida!

Clyde and his wife had some specific goals when they decided to refinance their home. They wanted the right interest rate, a certain amount of cash out, and most importantly, a monthly mortgage payment they were comfortable with.

I'm happy we were able to accomplish all three!

After 25 years in the mortgage business, one thing hasn't changed: Taking the time to listen, explain the options, and deliver on what matters most to the client.

Thank you again, Clyde, for the kind words and for trusting me and Embrace Home Loans with your refinance!

If you're considering refinancing, accessing your home's equity, or purchasing a home, I'd be happy to explore your options with you.

📞 (401) 419-6734
đź“§ [email protected]

Jeff Gaccione | Embrace Home Loans
RI Mortgage Pro — Financing Your Future

🏡 Congratulations to our clients on their incredible new home in Richmond!They came into this move looking for something...
09/25/2026

🏡 Congratulations to our clients on their incredible new home in Richmond!

They came into this move looking for something very specific — more space, more privacy, and a property they could truly enjoy. I’d say 12.5+ private acres checks those boxes pretty well.

This is a beautiful country property with a barn, wooded acreage, and plenty of room to spread out. A great next chapter for a great family.

A big thank you to Gina Ronci of REMAX Revolution for doing an outstanding job representing our clients and helping them navigate the process from start to finish. Gina worked hard to help them find the right property and get this one across the finish line. Always great working alongside professionals who take care of their clients.

And thank you to Jeff Caffrey of Resnick & Caffrey for another smooth closing.

Really appreciate our clients trusting us to handle the financing and help make this move happen. Congratulations and enjoy all that space!

Realtor friends: I’m sponsoring a broker’s open with Jen Cosgrove O’Leary tomorrow, Thursday, September 24, at 50 Kenyon...
09/23/2026

Realtor friends: I’m sponsoring a broker’s open with Jen Cosgrove O’Leary tomorrow, Thursday, September 24, at 50 Kenyon Ave in East Greenwich.

Stop by between 4:30 and 5:45 PM to tour this beautiful property, enjoy an aperitivo, and catch up. We’ll also have drawings for a $125 La Masseria gift card and 10 classes at Vibe Yoga.

I’d love to see you there. RSVP is encouraged, but feel free to stop by!

Address

620 Main Street Unit 1
East Greenwich, RI
02818

Alerts

Be the first to know and let us send you an email when Jeff Gaccione - RI Mortgage Pro NMLS #20461 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Jeff Gaccione - RI Mortgage Pro NMLS #20461:

Shortcuts

Share

Nearby finance companies