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Joseph Pappas

Embrace Home Loans Corporate

25 Enterprise Center

Middletown, RI 02842


About Joseph

If you want a loan officer who is a team player, driven, and committed to your success, Joe is your guy. As a former athlete, Joe is big on helping homeowners and homebuyers achieve their specific goals, and he always takes the time to understand his clients’ wants, needs, and vision.

Before coming to Embrace, Joe started his career in the insurance and finance industries learning about the success of Warren Buffett as a young man. He started as a Sales Associate then Account Executive; and due to his hard work and commitment to success he quickly advanced to Territory Sales Manager within his first six months. He’s also received many awards for his professional achievements since then.

Joe grew up in the Bronx, NY. When he turned 12 his family moved to Newburgh, NY. He participated in football, basketball, baseball and boxing. Growing up he won many county, state and collegiate awards. He accepted a full baseball scholarship to LeMoyne University, and he left school early to pursue a professional baseball career. Soon after completing his baseball journey he went back to complete his Bachelor’s Degree.

Joe currently lives in Bristol, RI with his son, Anthony. Anthony was born on July 4th, which is perfect, because Bristol is home to the nation’s oldest fourth of July celebration.

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


  • 5.0

    5.0 Survey completed on October 14, 2020

    Review By John N. for Joseph Pappas

    Completed transaction in October 2020

    Joe was helpful, often available and made me feel like he was working to help make this work for me instead of just trying to get my business.

  • 5.0

    5.0 Survey completed on October 11, 2020

    Review By Earl C. for Joseph Pappas

    Completed transaction in October 2020

    I found Mr. Pappas to be knowledgeable,patient and very available. He is thorough,empathetic and aboove all very professional.

  • 5.0

    5.0 Survey completed on October 02, 2020

    Review By Deborah G. for Joseph Pappas

    Completed transaction in September 2020

    When first time speaking with Mr. Joseph Pappas , his voice was so pleasant and polite. This was my first time doing a Homeowner Rate Reduction Loan. Mr. Joseph made me feel very comfortable talking to him. He answered all my question, as well as helping me understanding the answers. Mr. Joseph responded back quickly when need be. He got my process done in a timely and professional manner. We developed a kind of personal rapport that it made it seem like a friend taking care of my situation.

  • 5.0

    5.0 Survey completed on October 02, 2020

    Review By Donna M. for Joseph Pappas

    Completed transaction in September 2020

    Joe was so helpful and kept me updated throughout the whole transaction. I LOVED working with Joe & Rob and have already referred him to 2 co-workers and will work with him again when my brother can refi! Thank you Joe!!!

  • 5.0

    5.0 Survey completed on October 01, 2020

    Review By Gloria F. for Joseph Pappas

    Completed transaction in September 2020

    Joseph was very knowledgeable and helpful throughout the process. He kept me up to date every step of the way. Highly recommended!

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