--- canonical_url: https://lendb.ai/lo/jeffrey-gaccione-20461 json_url: https://lendb.ai/lo/jeffrey-gaccione-20461.json nmls_id: 20461 last_verified: 2026-10-09 --- # Jeff Gaccione Senior Loan Officer at Embrace Home Loans, Middletown, RI. NMLS ID 20461 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/20461)). **Summary:** Jeff Gaccione (NMLS 20461) is Senior Loan Officer at Embrace Home Loans, based in Middletown, RI. Licensed in 3 states confirmed with state regulators: Florida, Colorado and Pennsylvania. Also lists Alabama, Arkansas, Arizona, California, Connecticut, Delaware, Georgia, Idaho and 14 more on the lender page (not yet checked with the state regulator). Earliest state license record: November 11, 2007 (Colorado), per state regulator. States 21 years of experience. Last verified 2026-10-09. ## At a glance - Earliest state license record: November 11, 2007 (Colorado), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 21 (source: https://www.embracehomeloans.com/location/rhode-island/middletown/jeff-gaccione, verified 2026-10-09) - Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Arkansas (AR, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Colorado (CO, confirmed), Connecticut (CT, lender_reported), Delaware (DE, lender_reported), Georgia (GA, lender_reported), Idaho (ID, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Massachusetts (MA, lender_reported), Maryland (MD, lender_reported), North Carolina (NC, lender_reported), Nebraska (NE, lender_reported), New Jersey (NJ, lender_reported), New York (NY, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Pennsylvania (PA, confirmed), Rhode Island (RI, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Virginia (VA, lender_reported) - License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer. - Languages: not listed - Profile: unclaimed - Status: active ## Specialties ## About Jeff has been a loan officer at Embrace for 21 years, specializing in tailored financial solutions and helping clients build wealth through home equity and bill consolidation. Primary service area is South County RI; also serves CT, MA and many other states. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: 21. Source: https://www.embracehomeloans.com/location/rhode-island/middletown/jeff-gaccione, verified 2026-10-09. - service_area: South County RI, Connecticut, Massachusetts. Source: https://www.embracehomeloans.com/location/rhode-island/middletown/jeff-gaccione, verified 2026-10-09. - education: Bachelor's degree in Finance from University of Rhode Island. Source: https://www.embracehomeloans.com/location/rhode-island/middletown/jeff-gaccione, verified 2026-10-09. - credential: Embrace Home Loans President's Club 10 times. Source: https://www.embracehomeloans.com/location/rhode-island/middletown/jeff-gaccione, verified 2026-10-09. - community: Member of North Kingstown Chamber of Commerce; participates in community activities. Source: https://www.embracehomeloans.com/location/rhode-island/middletown/jeff-gaccione, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO2397 | active | confirmed | 2011-02-13 | state_regulator | 2026-10-09 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CO | state_license | 100020878 | active | confirmed | 2007-11-11 | state_regulator | 2026-10-10 | | CT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | DE | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | ID | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NE | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NJ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OK | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | PA | state_license | 21743 | active | confirmed | | state_regulator | 2026-10-10 | | RI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: Embrace Home Loans (NMLS 2184), Middletown, RI. Source: https://www.embracehomeloans.com/location/rhode-island/middletown/jeff-gaccione, verified 2026-10-09. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/20461 ## Contact - linkedin_url: http://www.linkedin.com/in/jeffgaccione (source: lender_site, verified 2026-10-09) - View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/rhode-island/middletown/jeff-gaccione - Office phone and Email on file: shown at https://lendb.ai/lo/jeffrey-gaccione-20461#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/20461 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - lender_site: https://www.embracehomeloans.com/location/rhode-island/middletown/jeff-gaccione - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=146259&contact=36831 - state_regulator: https://data.pa.gov/d/tyxc-jyug Cite as: Jeff Gaccione (NMLS 20461), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/jeffrey-gaccione-20461, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._