Michael Raffa (NMLS #5305) is a premier mortgage loan officer and local lending expert in Middletown, Rhode Island. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Michael provides comprehensive home financing solutions with Embrace Home Loans. Michael Raffa has been with Embrace Home Loans since July 14, 1993. He is currently a Team Leader and Vice President. Mike oversees a team of 12 Loan Officers, one Processor and an Assistant Loan Officer, originating, processing and closing both purchase and refinance business. Contact Michael today to explore your home loan options and get pre-approved!