---
canonical_url: https://lendb.ai/lo/michael-potoczak-966993
json_url: https://lendb.ai/lo/michael-potoczak-966993.json
nmls_id: 966993
last_verified: 2026-10-09
---

# Michael Potoczak

Loan Officer at Embrace Home Loans, Basking Ridge, NJ. NMLS ID 966993 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/966993)).

**Summary:** 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 2026-10-09.

## At a glance

- Licensed since 2022 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 10 (source: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-potoczak, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), New Jersey (NJ, lender_reported), 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

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-potoczak
- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-potoczak
- **USDA loan** (`usda`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-potoczak
- **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-potoczak

## 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.

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

## Facts from the lender page and intro

- years_experience: 10. Source: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-potoczak, verified 2026-10-09.
- community: Volunteer firefighter with Totowa Fire Department since 2006. Source: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-potoczak, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO107310 | active | confirmed | 2022-05-09 | state_regulator | 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 |

## Employment history

- ? to present: Embrace Home Loans (NMLS 2184), Basking Ridge, NJ. Source: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-potoczak, 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/966993

## Contact

- linkedin_url: https://www.linkedin.com/in/michael-potoczak-8b819a37/ (source: lender_site, verified 2026-10-09)
- View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-potoczak
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-potoczak-966993#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/966993
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-potoczak

Cite as: Michael Potoczak (NMLS 966993), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/michael-potoczak-966993, last verified 2026-10-09.

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