I have just ignored thr 2nd piece of mail from " Embrace homeloans" and am curiouse to know if anyone has heard of them or knows if it's legit.

Embrace Home Loans, Inc. Review - MORTGAGE BANKERS in Newport , RI - BBB Reliability Report - BBB serving Eastern Massachusetts, Maine, Rhode Island and Vermont (http://www.bbb.org/boston/business-reviews/mortgage-bankers/embrace-home-loans-inc-in-newport-ri-105270/)

Although despite the BBB's rating of them, I have a tendency to ignore stuff I get in the mail. If I want a service, I go out and do research and choose the service, not just go with whatever happened to come in the mail. But that is, of course, your business.