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BBB Business Review

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BBB Accredited Business since

Embrace Home Loans, Inc.

Additional Locations

Phone: (434) 237-5111 103A Paulette Circle , Lynchburg, VA 24502 http://www.embracehomeloans.com View Additional Web Addresses


Click for BBB Rating on Embrace Home Loans, Inc.

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Description

Advanced Financial Services, Inc, (AFS) has changed its name to Embrace Home Loans, Inc. as of October 26, 2009. After more than 25 years of doing business as AFS, the business has decided upon this name change to more accurately reflect the products and services they offer. Embrace Home Loans, Inc. is a retail mortgage lender providing residential mortgage loans directly to consumers.


BBB Accreditation

A BBB Accredited Business since

BBB has determined that Embrace Home Loans, Inc. meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.


BBB Complaint Information

Find aggregate BBB complaint information for Embrace Home Loans, Inc.. Better Business Bureau Serving Eastern MA, ME, RI & VT has the full report as that BBB handles all complaints for Embrace Home Loans, Inc..


Additional Information

BBB file opened: March 18, 2011 Business started: 05/01/1983 in RI Business incorporated 05/01/1983 in RI
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Salem Business License

Phone Number: (540) 375-3019

Lynchburg Business License

Phone Number: (434) 455-3880

Type of Entity

Corporation

Business Management
Mr. Peter Microulis, VP Quality Assurance Mr. Kurt Noyce, President
Contact Information
Principal: Mr. Peter Microulis, VP Quality Assurance
Principal: Mr. Kurt Noyce, President
Business Category

MORTGAGE BROKERS

Industry Tips
Finance & Loan Tips
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BBB Customer Review Rating plus BBB Rating Overview


BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
Details

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.