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Ralph King

Embrace Home Loans Corporate

25 Enterprise Center

Middletown, RI 02842


About Ralph

Ralph is a seasoned Loan Officer who has been with Embrace Home Loans since 1997. His aim is to always provide exceptional customer service to his borrowers. He finds the best way to do so is to discover how he can meet their present day needs and to assist in financial planning for the future. This results in his customers being able to get the “fresh start” that so many people need and want in today’s economy.

Ralph is a native Rhode Islander currently residing in Narragansett. He attended Providence College and is the proud father of two boys. His second passion is martial arts: he is a Nidan Master in Kenpo Karate.

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


  • 5.0

    5.0 Survey completed on November 10, 2020

    Review By Edward S. for Ralph King

    Completed transaction in October 2020

    Good knowledge of what was going on. Also answered questions I had during the re-fi.

  • 4.5

    4.5 Survey completed on November 04, 2020

    Review By Bin W. for Ralph King

    Completed transaction in October 2020

    Overall, it was a very smooth experience.

  • 5.0

    5.0 Survey completed on October 18, 2020

    Review By Dolores K. for Ralph King

    Completed transaction in October 2020

    Ralph was very informative and helpful. He took time to answer my questions even if it was the 3rd time I asked! He was friendly and helpful.

  • 5.0

    5.0 Survey completed on October 07, 2020

    Review By Noah Z. for Ralph King

    Completed transaction in September 2020

    Ralph took the time to treat me like one of his own family members. He never was put out when I called with a question and always took the time to make sure everything was clear. The loan process was very straight forward overall with very little surprises to deal with. I have done other transactions in the past that went just as smooth but what made the experience better was Ralph. He is a great person and his approach is spot on. I enjoyed working with him and will do so again.

  • 5.0

    5.0 Survey completed on September 18, 2020

    Review By Guy D. for Ralph King

    Completed transaction in August 2020

    Great experience with this loan process. Great loan officer Ralph. This is our second time and We would recommend him for the process. Thank you.

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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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