This Business Is Not BBB Accredited

Embrace Home Loans, Inc.

Embrace Home Loans, Inc.

(434) 237-5111

Embrace Home Loans, Inc.

33 years in business
103A Paulette Circle
Lynchburg, VA 24502
Additional Phone Numbers
  • (540) 389-0687
  • (540) 552-4446
  • (800) 333-3004
  • (800) 333-3004
  • (540) 552-4446
  • (800) 333-3004
  • (540) 375-3190
Additional Email Addresses
BBB File Opened: 03/18/2011
Business Started: 05/01/1983
Business Incorporated: 05/01/1983 in RI
Type of Entity
Business Management
  • Mr. Kurt Noyce, President
  • Mr. Peter Microulis, VP Quality Assurance
Business Category
  • Mortgage Brokers
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.



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 Reason for Ratings

BBB rating is based on 13 factors: Get the details about the factors considered.

Based on BBB files, this business has a BBB Rating of No Rating. The reason is as follows:
Complaints against this business are handled by another BBB.

Licensing information is provided in the BBB Business Profiles to inform the public about industries that may require professional licensing, bonding, or registration. Better Business Bureau encourages you to check with the appropriate agency to be certain any requirements are currently being met.

BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to substantiate their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.

BBB reports on known significant government actions involving the business's marketplace conduct.

BBB reports on a company that is out of business for three years from the date the company closes its doors or ceases to do business.

BBB reports on unauthorized use of the Better Business Bureau's name and/or logo for as long as the business continues to use it in any advertising, or for one year after the business ceases any repeated unauthorized uses.

BBB reports on a business’s bankruptcy as long as the business remains in bankruptcy.

BBB reports when mail sent to the business was returned by the Postal Service.

Embrace Home Loans, Inc.


Embrace Home Loans, Inc.