---
canonical_url: https://lendb.ai/lo/jitin-ghai-2546787
json_url: https://lendb.ai/lo/jitin-ghai-2546787.json
nmls_id: 2546787
last_verified: 2026-10-09
---

# Jitin Ghai

Loan Officer at Embrace Home Loans, Melville, NY. NMLS ID 2546787 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2546787)).

**Summary:** Jitin Ghai (NMLS 2546787) is Loan Officer at Embrace Home Loans, based in Melville, NY. Licensed in Florida, confirmed with the state regulator (license LO131394). Also lists New York on the lender page (not yet checked with the state regulator). Licensed since 2024 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2024 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), New York (NY, 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

Jay Ghai brings extensive real estate and finance experience to Embrace. He serves Nassau and Suffolk counties including Melville, Plainview, Dix Hills, Bethpage, Syosset, and Jericho, with expertise including Six Sigma Green Belt certification and credentials as CPA and Licensed Home Inspector.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- role: Senior Finance Executive/CFO for Pitney Bowes, Garden City Group, and Arcade Marketing. Source: https://www.embracehomeloans.com/location/new-york/melville/jay-ghai, verified 2026-10-09.
- credential: Six Sigma Green Belt. Source: https://www.embracehomeloans.com/location/new-york/melville/jay-ghai, verified 2026-10-09.
- credential: Chartered Accountant (India). Source: https://www.embracehomeloans.com/location/new-york/melville/jay-ghai, verified 2026-10-09.
- credential: Certified Public Accountant (CPA). Source: https://www.embracehomeloans.com/location/new-york/melville/jay-ghai, verified 2026-10-09.
- credential: Licensed Home Inspector in New York. Source: https://www.embracehomeloans.com/location/new-york/melville/jay-ghai, verified 2026-10-09.
- service_area: Nassau and Suffolk counties, Melville, Plainview, Dix Hills, Bethpage, Syosset, Jericho. Source: https://www.embracehomeloans.com/location/new-york/melville/jay-ghai, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO131394 | active | confirmed | 2024-08-28 | state_regulator | 2026-10-09 |
| NY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Embrace Home Loans (NMLS 2184), Melville, NY. Source: https://www.embracehomeloans.com/location/new-york/melville/jay-ghai, 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/2546787

## Contact

- linkedin_url: https://www.linkedin.com/in/jitin-ghai-4a68115/ (source: lender_site, verified 2026-10-09)
- View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/new-york/melville/jay-ghai
- Office phone and Email on file: shown at https://lendb.ai/lo/jitin-ghai-2546787#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2546787
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.embracehomeloans.com/location/new-york/melville/jay-ghai

Cite as: Jitin Ghai (NMLS 2546787), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/jitin-ghai-2546787, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._