At EMB Lenders LLC, your privacy is important to us. We are committed to protecting the personal information you share when requesting an initial consultation through the 10Yi Program™.
Information We Collect
When you complete our consultation request form, we may collect basic information such as your name, phone number, email address, and any additional information you voluntarily provide.
How We Use Your Information
The information you submit will be used to:
- Respond to your inquiry about the 10Yi Program™.
- Contact you to schedule and confirm your initial consultation.
- Provide information related to your consultation request.
- Maintain records of your inquiry and related communications.
How We Protect Your Information
We use reasonable administrative and technical safeguards designed to protect your personal information from unauthorized access, use, or disclosure.
Your information is accessible only to authorized EMB Lenders LLC personnel and service providers who require it to assist with your inquiry.
Information Sharing
We do not sell your personal information. We may share it with authorized service providers assisting with consultation scheduling, communications, or website operations, subject to applicable privacy and security requirements.
Communication Preferences
By submitting a consultation request, you authorize EMB Lenders LLC to contact you regarding your inquiry using the contact information you provide.
Any promotional or automated marketing communications requiring separate consent will be handled in accordance with applicable law.
Your Privacy Choices
You may contact EMB Lenders LLC to request updates to your contact information or ask questions about how your information is handled, subject to applicable legal requirements.
Privacy Policy Updates
We may update this Privacy Policy periodically to reflect changes in our practices or applicable requirements.
Contact Information
EMB Lenders LLC
12401 Orange Drive, Suite 216
Davie, FL 33330
For additional information about our privacy practices, please refer to EMB Lenders LLC's full Privacy Policy available on our corporate website.
Submitting a consultation request does not constitute a mortgage application, guarantee acceptance into the 10Yi Program™, or guarantee any particular financial outcome.
1. Website Ownership and Operation
This website and the 10Yi Program™ are owned and operated by EMB Lenders LLC, a Florida-based mortgage brokerage company.
The 10Yi Program™ is a proprietary homeowner financial-health initiative developed by EMB Lenders LLC to help eligible homeowners explore strategies involving home equity, mortgage obligations, and long-term financial objectives.
Company Information
EMB Lenders LLC
12401 Orange Drive, Suite 216
Davie, FL 33330
Company NMLS ID: 2422827
2. Purpose of This Website
This website is intended to provide general information about the 10Yi Program™ and allow interested homeowners to request an initial consultation.
The information presented is educational and informational in nature and does not constitute a mortgage loan application, commitment to lend, or guarantee of financing or financial results.
3. Intellectual Property Rights
The 10Yi Program™, including its name, methodology, materials, website content, graphics, financial models, and related proprietary processes, is owned by EMB Lenders LLC or used with appropriate authorization.
Unauthorized reproduction, distribution, modification, or commercial use of protected materials is prohibited without prior written permission.
4. Accuracy of Information
EMB Lenders LLC makes reasonable efforts to maintain accurate and current information on this website.
However, program details, mortgage products, eligibility requirements, and applicable market conditions may change.
Visitors should not rely solely on general website information when making financial decisions.
5. Regulatory and Licensing Information
Mortgage-related services are provided by EMB Lenders LLC in accordance with applicable federal and state laws and licensing requirements.
Additional information regarding the Company's mortgage licensing and regulatory disclosures is available under the Licensing & Disclosures section of this website.
6. Additional Legal Information
Use of this website is subject to the following applicable notices and policies:
Visitors are encouraged to review these documents for additional information about website use, privacy practices, mortgage-related services, and program limitations.
7. Contact Information
For questions regarding this website or the 10Yi Program™, please contact:
EMB Lenders LLC
12401 Orange Drive, Suite 216
Davie, FL 33330
Website: www.EMBLenders.com
© 2026 EMB Lenders LLC. All rights reserved.
1. Acceptance of Terms
Welcome to the 10Yi Program™ website, operated by EMB Lenders LLC.
By accessing or using this website, you agree to these Terms of Use and our Privacy Policy. If you do not agree with these terms, please discontinue use of the website.
These Terms apply to your use of the 10Yi Program™ landing page, including its informational content, consultation request forms, and related website features.
2. About the 10Yi Program™
The 10Yi Program™ is a proprietary financial-health initiative developed and operated by EMB Lenders LLC.
The program is designed to help eligible homeowners explore strategies intended to improve their financial position, evaluate opportunities involving home equity, and identify potential mortgage-related solutions.
Information presented on this website is provided for general educational and informational purposes.
Participation in the 10Yi Program™ is subject to an individual evaluation and applicable program requirements.
3. Consultation Requests
Visitors may submit basic contact information to request an initial consultation with an authorized 10Yi Program™ representative.
Submitting a consultation request:
- Does not constitute a mortgage loan application.
- Does not guarantee acceptance into the 10Yi Program™.
- Does not establish eligibility for any particular mortgage product or financial strategy.
- Does not guarantee mortgage approval, specific loan terms, or financial results.
By submitting a request, you agree to provide accurate contact information and acknowledge that EMB Lenders LLC may contact you regarding your inquiry, subject to applicable law and your communication preferences.
4. No Financial or Mortgage Guarantees
The 10Yi Program™ provides educational information and access to potential financial and mortgage-related strategies.
Individual outcomes depend on multiple factors, including homeowner qualifications, property characteristics, available equity, creditworthiness, financial circumstances, lender requirements, and market conditions.
EMB Lenders LLC does not guarantee:
- Mortgage approval or eligibility.
- Specific interest rates or loan terms.
- A particular reduction in debt or mortgage payoff timeline.
- Property appreciation or future equity growth.
- Any specific financial outcome resulting from program participation.
Any mortgage financing is subject to applicable underwriting requirements, lender approval, and regulatory guidelines.
5. No Professional Advice
Information presented on this website is intended for general educational purposes and should not be considered individualized legal, tax, accounting, securities, or investment advice.
Homeowners should consult appropriately qualified professionals regarding matters requiring specialized professional guidance.
Any mortgage-related recommendations or services will be provided through authorized personnel and applicable EMB Lenders LLC processes.
6. Intellectual Property
The 10Yi Program™, including its name, methodology, educational materials, financial models, strategies, presentations, website content, graphics, processes, and related proprietary materials, is owned by EMB Lenders LLC or used with appropriate authorization.
These materials are protected by applicable intellectual property laws.
Visitors may access and review website content for personal, noncommercial informational purposes only.
Without prior written authorization from EMB Lenders LLC, visitors may not reproduce, distribute, modify, commercially exploit, reverse engineer, or create derivative works from proprietary program materials.
Nothing on this website grants any ownership interest or license to the 10Yi Program™ or its underlying methodology.
7. Acceptable Website Use
By using this website, you agree not to:
- Submit false, misleading, or fraudulent information.
- Attempt unauthorized access to website systems or information.
- Interfere with website functionality or security.
- Use automated tools to extract website content or collect visitor information without authorization.
- Copy, reproduce, or commercially distribute protected website materials without permission.
- Use the website for unlawful, fraudulent, or unauthorized purposes.
EMB Lenders LLC reserves the right to restrict access when necessary to protect its website, users, and business operations.
8. Privacy and Information Security
Information submitted through the website will be handled in accordance with the 10Yi Program™ Privacy Policy and applicable EMB Lenders LLC privacy practices.
We maintain reasonable safeguards designed to protect information submitted through our website.
For additional information, please review our Privacy Policy.
9. Third-Party Services and Links
This website may contain links to third-party websites or utilize external technology providers to support website functionality, scheduling, or communications.
EMB Lenders LLC is not responsible for the content, availability, or privacy practices of independently operated third-party websites.
Visitors should review the applicable terms and privacy policies of external websites before providing information.
10. Website Availability and Accuracy
EMB Lenders LLC makes reasonable efforts to maintain accurate and current website information.
However, program descriptions, mortgage-related information, market conditions, and available services may change.
We do not guarantee that the website will always be uninterrupted, error-free, or available.
EMB Lenders LLC reserves the right to update website content, modify available features, or discontinue portions of the website when necessary.
11. Limitation of Liability
To the extent permitted by applicable law, EMB Lenders LLC shall not be liable for indirect, incidental, consequential, or special damages arising from the use of, or inability to use, this website.
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or restricted.
12. Governing Law
These Terms of Use shall be governed by the laws of the State of Florida, United States, without regard to applicable conflict-of-law principles.
Any disputes relating to these Terms shall be subject to applicable legal requirements and the jurisdiction of the appropriate courts in Florida.
13. Changes to These Terms
EMB Lenders LLC may update these Terms of Use periodically to reflect changes in website functionality, program operations, or applicable requirements.
Updated terms will become effective upon publication unless otherwise stated.
Continued use of the website following publication constitutes acceptance of the revised Terms to the extent permitted by applicable law.
14. Contact Information
For questions regarding these Terms of Use, please contact:
EMB Lenders LLC
10Yi Program™
12401 Orange Drive, Suite 216
Davie, FL 33330
For additional information about EMB Lenders LLC, please visit our corporate website.
1. Company Licensing Information
The 10Yi Program™ is a proprietary homeowner financial-health initiative developed and operated by EMB Lenders LLC, a mortgage brokerage company.
Mortgage brokerage services associated with the 10Yi Program™ are provided exclusively through EMB Lenders LLC, subject to applicable federal and state licensing requirements.
Company Information
Legal Business Name: EMB Lenders LLC
Business Address: 12401 Orange Drive, Suite 216, Davie, FL 33330
Company NMLS ID: 2422827
Florida Mortgage Broker License Number: MBR5836
EMB Lenders LLC conducts mortgage-related activities only in jurisdictions where the Company is appropriately licensed or otherwise authorized to operate.
Consumers may verify mortgage licensing information through the Nationwide Multistate Licensing System & Registry (NMLS) Consumer Access: NMLS Consumer Access.
2. 10Yi Program™ and Mortgage Services
The 10Yi Program™ is not a mortgage lender, a separate mortgage brokerage company, or an independently licensed financial institution.
It is a proprietary program operated by EMB Lenders LLC to help homeowners explore potential strategies involving home equity, existing mortgage obligations, and long-term financial objectives.
Any mortgage financing identified through the program is subject to a separate mortgage application, borrower qualification, underwriting, lender approval, and applicable legal requirements.
3. No Commitment to Lend
Information presented on this website is provided for general educational and informational purposes.
Nothing on this website constitutes:
- A commitment to lend or extend credit.
- A guarantee of mortgage approval or eligibility.
- An offer of specific mortgage terms or interest rates.
- A guarantee of debt reduction, mortgage payoff, or financial results.
All mortgage products, terms, rates, and eligibility requirements are subject to change and applicable lender approval.
4. Equal Housing Opportunity
EMB Lenders LLC is committed to fair lending practices and providing equal access to mortgage-related services in accordance with applicable federal and state laws.
The Company does not discriminate in mortgage lending activities on any basis prohibited by applicable law.
Equal Housing Opportunity
5. Mortgage Financing Considerations
Mortgage financing, refinancing, and home equity borrowing may involve fees, closing costs, interest obligations, and financial risks.
Refinancing an existing mortgage may result in changes to the interest rate, monthly payment, total financing costs, or repayment period.
Borrowing against home equity may increase the amount secured by a property and may place the property at risk of foreclosure if repayment obligations are not met.
Consumers should carefully review all applicable mortgage disclosures and loan terms before proceeding with any financing transaction.
6. No Separate 10Yi Program Fees
EMB Lenders LLC does not charge homeowners a separate fee for participating in the 10Yi Program™, including the initial consultation and program evaluation.
Homeowners who voluntarily pursue mortgage financing may incur standard mortgage-related expenses, including applicable lender fees, appraisal fees, title charges, and closing costs.
Any applicable mortgage-related fees will be disclosed in accordance with applicable lending requirements.
Participation in the 10Yi Program™ does not obligate a homeowner to apply for or obtain mortgage financing through EMB Lenders LLC.
7. Advertising and Program Information
Information regarding the 10Yi Program™, mortgage-related opportunities, and potential financial strategies is intended for general educational purposes.
Any examples, projections, or illustrations presented through the program are hypothetical or based on stated assumptions and should not be interpreted as guaranteed results.
Actual outcomes depend on individual homeowner circumstances, market conditions, available financing options, and lender requirements.
8. Consumer Privacy
EMB Lenders LLC respects consumer privacy and handles personal information in accordance with applicable federal and state privacy requirements.
Information submitted through the 10Yi landing page will be used to respond to consultation requests and related inquiries, as described in the website's Privacy Policy.
Additional privacy notices may be provided when required in connection with mortgage-related services.
9. Contact and Licensing Verification
For questions regarding EMB Lenders LLC's mortgage services or licensing information, please contact:
EMB Lenders LLC
12401 Orange Drive, Suite 216
Davie, FL 33330
Company NMLS ID: 2422827
Licensing Verification: NMLS Consumer Access
© 2026 EMB Lenders LLC. All rights reserved.
1. About the 10Yi Program™
The 10Yi Program™ is a proprietary homeowner financial-health initiative developed and operated by EMB Lenders LLC, a mortgage brokerage company.
The program is designed to help qualified homeowners better understand their financial position, evaluate their existing mortgage and home equity, and explore strategies intended to improve their overall financial health.
Through education, personalized financial analysis, and strategic planning, the program seeks to identify opportunities that may help homeowners manage their mortgage obligations, leverage available home equity, and work toward their long-term financial goals.
The 10Yi Program™ is not a mortgage loan product, a lender, or a guarantee of financial results.
2. Initial Consultation and Program Evaluation
The initial 10Yi consultation is intended to introduce homeowners to the program, explain its general approach, and determine whether further evaluation may be appropriate.
Following the initial consultation, homeowners who wish to proceed may be asked to provide additional financial, mortgage, and property-related information to support a more detailed evaluation.
Any analysis or strategy presented will depend on the homeowner's individual financial circumstances and available information.
Submitting a consultation request does not constitute a mortgage application or establish eligibility for the program.
3. Potential Mortgage and Financial Strategies
Depending on a homeowner's circumstances, the 10Yi Program™ may identify potential strategies involving:
- Existing mortgage obligations and repayment structures.
- Available home equity and potential financing alternatives.
- Mortgage refinancing or restructuring opportunities.
- Debt-management considerations.
- Investment-property financing or other mortgage-related opportunities.
- Long-term financial planning objectives associated with homeownership.
Not every strategy is appropriate or available to every homeowner.
Any mortgage-related transaction must be separately evaluated and is subject to applicable lending requirements, borrower qualifications, property eligibility, lender approval, and market conditions.
4. No Guarantee of Mortgage Payoff or Financial Results
The 10Yi Program™ is intended to help homeowners explore opportunities to improve their financial position.
However, EMB Lenders LLC does not guarantee that participation will result in:
- Paying off a mortgage within 10 years or any other specific period.
- Mortgage approval or access to a particular financing program.
- A reduction in total debt, monthly payments, or borrowing costs.
- Increased property value or home equity.
- Investment returns, appreciation, or wealth accumulation.
- Any specific financial outcome or level of savings.
All projections, illustrations, timelines, and potential outcomes are estimates based on assumptions and individual circumstances, not promises or guarantees.
Actual results may differ significantly.
5. Home Equity and Borrowing Considerations
Some strategies evaluated through the 10Yi Program™ may involve accessing home equity, refinancing existing mortgage obligations, or obtaining additional financing.
Homeowners should understand that these transactions may involve additional costs, interest obligations, changes in monthly payments, and financial risks.
Borrowing against home equity may increase the total amount owed against a property and can place the property at risk of foreclosure if repayment obligations are not met.
Refinancing may also involve closing costs, changes in interest rates, and extensions or modifications to repayment terms.
Homeowners should carefully review all applicable loan disclosures and evaluate the benefits, costs, and risks before proceeding with any financing transaction.
6. Mortgage Services and Loan Approval
EMB Lenders LLC operates as a mortgage broker and may assist eligible homeowners in exploring mortgage financing options through participating lenders.
Mortgage products, interest rates, loan terms, and eligibility requirements are determined by the applicable lender and may change without notice.
All mortgage applications are subject to underwriting, verification, approval, and applicable regulatory requirements.
Participation in the 10Yi Program™ does not obligate a homeowner to apply for or obtain a mortgage loan through EMB Lenders LLC.
7. Educational Information and Professional Advice
The information presented through the 10Yi Program™ is intended for educational and informational purposes.
The program does not replace individualized legal, tax, accounting, securities, or investment advice.
Homeowners are encouraged to consult appropriately qualified professionals when evaluating financial decisions involving taxes, investments, property ownership, estate planning, or other specialized matters.
8. Individual Results May Vary
Each homeowner's financial circumstances are unique.
Factors such as income, existing debt, credit history, mortgage balances, available equity, property value, financial goals, market conditions, and lender requirements may affect the strategies available and the results achieved.
A strategy that may be appropriate for one homeowner may not be suitable for another.
9. Program Fees and Costs
There is no separate fee charged by EMB Lenders LLC to homeowners for participating in the 10Yi Program™, including the initial consultation and program evaluation.
The 10Yi Program™ is offered as part of EMB Lenders LLC's commitment to helping homeowners explore opportunities to improve their financial health.
While participation in the program does not carry a separate fee, homeowners who choose to pursue mortgage financing or other financial transactions may incur standard costs associated with those transactions.
Such costs may include, when applicable, lender fees, appraisal fees, title charges, closing costs, and other expenses disclosed during the mortgage process.
All applicable mortgage-related fees and costs will be disclosed in accordance with applicable lending requirements.
Participation in the 10Yi Program™ does not obligate homeowners to apply for or obtain mortgage financing through EMB Lenders LLC.
10. Voluntary Participation
Participation in the 10Yi Program™ is voluntary.
Homeowners may request additional information, ask questions, and decide whether to proceed with further evaluation or any proposed mortgage-related transaction.
No homeowner is required to obtain a mortgage loan solely because they participate in an initial 10Yi consultation.
11. Contact Information
For additional information about the 10Yi Program™, please contact:
EMB Lenders LLC
10Yi Program™
12401 Orange Drive, Suite 216
Davie, FL 33330
Mortgage-related services are provided by EMB Lenders LLC, subject to applicable licensing and regulatory requirements.
Company NMLS ID: 2422827
This disclosure is provided for general informational purposes and does not constitute a commitment to lend, an offer of credit, or a guarantee of any mortgage or financial outcome.
