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Maria Fernandes

Embrace Home Loans Corporate

25 Enterprise Center

Middletown, RI 02842


About Maria

Maria has been helping people realize their dream of homeownership for decades. Having been with Embrace for 28 years, her mastery of every aspect from loan processing to closing, has naturally placed her in a position of uniqueness and leadership. Under her belt, a trove of accolades and countless industry awards has proudly earned her a place in the Embrace Hall of Fame. Yet, one of Maria’s greatest satisfactions comes from finding loans for our military families and Veterans.

Born in the Island of Sao Nicolau, Cabo Verde is where she draws her strength, determination and tenacity from. She has characteristics descriptive of her late father’s resolve in crossing the Atlantic in the early 1900’s. Maria continues to be an active member of the Cape-Verdean Community throughout New England. She is also one of the founding members of Fidjes D’San Nicolau y Amigos, an NGO with international reach to anywhere Cape-Verdean communities are in need. Her volunteerism has found a special place with the Families for Wounded Warriors. She is a multilingual, multifaceted, and refreshingly honest individual whose integrity is a cut above the rest.

Maria grew up in East Providence, RI and attended Johnson & Wales University. Today, she lives in Seekonk MA with her husband of 29 years. She’s an avid music lover and enjoys reading, shopping and visiting her daughter in NY. Her idea of a perfect day is spending time with her immediate family and friends.

98% Customer Satisfaction Rating
Zillow 5 star rating
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender


  • 4.0

    4.0 Survey completed on November 25, 2020

    Review By Margaret K. for Maria Fernandes

    Completed transaction in November 2020


  • 5.0

    5.0 Survey completed on November 16, 2020

    Review By James K. for Maria Fernandes

    Completed transaction in November 2020

    Maria, had offered timely communication and was able to answer all my questions.

  • 5.0

    5.0 Survey completed on October 31, 2020

    Review By Pamela S. for Maria Fernandes

    Completed transaction in October 2020

    I have worked with Maria several times in the past for refinancing with always great communication and success. I didn't even think of going anywhere else when it was time to look for a mortgage for our new house. Thank you Maria for all you did and do!!!!

  • 5.0

    5.0 Survey completed on October 25, 2020

    Review By Richard D. for Maria Fernandes

    Completed transaction in October 2020

    Communication was fluid and coordinated with ease of doing business platform-paperwork which had to be handled in two states was done transparently and with focus on all important timelines

  • 5.0

    5.0 Survey completed on September 09, 2020

    Review By Lisa O. for Maria Fernandes

    Completed transaction in August 2020

    I have worked with Maria on several refinances. She is very thorough and customer oriented. She very knowledgeable.

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Rates Hit New Low as Refis Jump Once Again

Mortgage rates hit another record low this week, and it sent refinances surging. According to the latest report from the Mortgage Bankers Association, refinance applications jumped 5% and are now 79% higher than a year ago.  Purchase loan applications were up, too, rising 4% from the previous week. They’re now 19% higher than one year…

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