CEO

Dennis Hardiman is an experienced international businessman and social entrepreneur. Dennis has owned businesses involved in mortgages, insurance, healthcare, technology, and venture capital. His mortgage company, Embrace Home Loans, has been selected seven times to the list of “The Best 25 Medium-Sized Companies to Work for in America.” In recent years, Dennis has been involved in starting businesses intended to produce positive social good, such as ASHM, a company involved in improving the quality of healthcare in the Kingdom of Saudi Arabia. He also started Ithraa, a nonprofit that works to lessen incidents of abuse of women in the Islamic world. Ithraa provides relational training to social workers, psychologist, and families. He also sits on the board of the Eckerd Connects. Dennis resides in Tampa with his wife, Lisa. He has three children and ten grandchildren.

PRESIDENT

Brian Gilpin is a 20 plus year veteran of the mortgage business. He oversees the financial analysis, which includes setting internal interest rates, hedging interest rate risk and the integration of risk software systems. He also oversees the trading of the $6 billion of production closed annually and the $7 billion of servicing that Embrace Home Loans currently retains.  He is the father of four teenagers and is a former professional basketball player. He sits on the board of directors for the Connecticut and Rhode Island region of Fellowship of Christian Athletes.

SECRETARY

Deanna Roy serves as Vice President and Corporate Secretary of Embrace Home Loans, where she has been a member of the management team for the past 35 years. Deanna oversees facilities and lease administration, contracts and corporate administration, as well as corporate insurance and risk management. In previous roles with Embrace, she has also served as Director of Human Resources as well as having been responsible for various aspects of the business including accounting, marketing, operations, and database management. She also currently serves as corporate secretary for a number of other companies. Deanna holds a B.S. in Finance from Bryant College. She has been a long-time resident Rhode Island, and has one college-aged daughter.

DIRECTOR OF COMMUNITY DEVELOPMENT

Bringing more than 35 years of experience, Mr. Dibble has held various leadership positions within the mortgage industry. Most recently, he was Vice President of Capital Markets Product Development for Charlotte, N.C.-based Deephaven Mortgage, where he was responsible for new product development and existing product positioning. He also previously served as Vice President of Counterparty Risk, Servicing and Vendor Management at Deephaven. Before that, he was Senior Vice President of Mortgage Operations for RoundPoint Financial Group, Senior Vice President and Chief Consumer Credit Risk Officer for First Horizon National Corporation and Senior Vice President at HSBC Mortgage Services, among others. He holds a bachelor’s degree in Mechanical Engineering and an MBA from Southern Methodist University in Dallas, Texas. He is currently the Head of Financial Institutions Group at Embrace Home Loans. He sits on the board of The Barnabas Center and the Audit Committee at Montreat Conference Center. 

TREASURER

Audley Lewis joins Embrace with 33 years in sales and finance. His specialty is residential lending with experience dealing with Conventional, FHA, VA, and first-time homebuyer programs. He enjoys working with his clients and finding the right program that is tailored to their unique needs. Audley believes that the two most important aspects of his job are satisfying the individual financial needs of his borrowers and providing customer-focused service with integrity. He was named Loan Officer of the Year in 2016. Audley is a 20-year resident of Hampton Roads, and currently lives in Newport News, Virginia with his wife of over 30 years, Vicky, and their son Ethan, the youngest of their five children. He is faithful to his ministry and is known as an encourager of the human spirit. Audley’s favorite pastimes include carpentry, auto mechanics, and motorcycling, and his idea of the perfect day would be spending time with his loving family.

DIRECTOR OF EDUCATIONAL CONTENT & COMMUNITY CONNECTIONS

Sarah Hobson PhD. is the founder and president of Community Allies. She supports educators, corporations, and government agencies in doing their part together to advance equity. Drawing on years of researching her youth ethno drama programs, she developed Honoring Stories and Integrating Curriculum™, a systematic way for educators to design culturally responsive trauma-informed instruction that engages students as regional and national change-makers. Honoring Stories and Integrating Curriculum™ helps organizations streamline internal operations, strengthen bridge-building and collaboration within and across departments, maximize learning about processes that foster sustained cultural competence, and yield products, services and instructional designs that align with broader demographics and that contribute to thriving communities.

DIRECTOR OF MARKETING

As someone who grew up in the mortgage industry, Meghan always provides a unique perspective. Over the past 20 years, she has done it all when it comes to mortgages—lending, processing, marketing, sales, bank/non-bank, and retail/direct. Meghan began her career as a loan officer, and moved on to run her own title search company for nearly nine years. After that, she was responsible for vendor management at Equity National Title & Closing, and ultimately became Director of Marketing at the same organization. Currently, she is leading the digital customer experience, along with social and content marketing efforts, at Embrace Home Loans. As mortgage technology is finally enabling lenders to reduce the time and cost of originating loans, Meghan is focused on implementing true digital transformation at Embrace. She is wholly focused on how digital will change the way the customer interacts with their mortgage lender through the marketing journey, all the way to service and beyond. Meghan believes great digital experiences do not take the place of human relationships—but enhance them—and will make loan officers more successful moving forward. Meghan studied Marketing at the University of Richmond, holds an Acxiom Digital University Certification, and she is an ICF Associate Certified Coach. She lives in Warwick, Rhode Island with her husband and three children.