Michael Potoczak
Loan Officer at Embrace Home Loans · Basking Ridge, NJ
NMLS ID 966993 (opens in a new tab) · verify at NMLS Consumer Access
Michael Potoczak (NMLS 966993) is Loan Officer at Embrace Home Loans, based in Basking Ridge, NJ. Licensed in Florida, confirmed with the state regulator (license LO107310). Also lists New Jersey and New York on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance, FHA loan, USDA loan and VA loan. Licensed since 2022 (per Florida records). States 10 years of experience.
Last verified . Sources: Embrace Home Loans (embracehomeloans.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Licensed since 2022 (per Florida records)
- 10 years experience (stated)
- 3 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Where we saw these: embracehomeloans.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO107310, since 2022), verified 2026-10-09.
Lender-reported: NJ, NY are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Embrace Home Loans NMLS 2184
Current · Basking Ridge, NJ · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Michael has 10 years of mortgage experience in pre-approvals, loan origination, and rate negotiation. He is committed to community service as a volunteer firefighter since 2006.
Our summary of the lender page. Verified 2026-10-09.
- Community
- Volunteer firefighter with Totowa Fire Department since 2006
- Source (opens in a new tab), verified 2026-10-09
Sources
| Name and employer | lender site · embracehomeloans.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · embracehomeloans.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · embracehomeloans.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · embracehomeloans.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · embracehomeloans.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · embracehomeloans.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Michael Potoczak (NMLS 966993), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/michael-potoczak-966993, last verified 2026-10-09.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.