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Cara Cuhna
Senior Loan Officer | NMLS 1110518
Cara Cunha (NMLS #1110518) is a premier mortgage loan officer and local lending expert in Melville, New-York. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Cara provides comprehensive home fina... Show More
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Cara was amazing to work with any questions my husband and I had she answered right away and made the whole process of buying our first home so easy.
Reply from Cara Cunha
March 2nd, 2026 09:16 PM
Neil, I’m really pleased to hear that I could assist in making your journey to purchasing your first home smooth and straightforward. It’s important to me that all your questions were addressed promptly throughout the process. If you need anything...
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We worked with Cara for two years throughout our home search, and I cannot say enough positive things about our experience.From day one, she was incredibly responsive and always made herself available to answer our questions — no matter how...
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Reply from Cara Cunha
February 27th, 2026 03:26 PM
Your kind words mean a great deal, Jessica. It's wonderful to hear that my approach helped you navigate the complexities of your home search over the past two years. I truly value clear and open communication, and I'm glad that breaking down...
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Cara is so thoughtful and detail oriented. Before working with her I was very stressed and it felt like pulling teeth to get clarity and information. She made sure I understood every scenario, change, request, etc to ensure I was making the...
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Reply from Cara Cunha
February 13th, 2026 06:09 PM
Your feedback is deeply appreciated, David. Understanding each part of the process is important, and I’m pleased to know that my efforts to clarify scenarios and details helped reduce your stress. I’m glad to have been a part of your journey...
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Cara and her team helped me through every step of this home purchase, they were always quick to answer my questions and explain everything along the way. It was a complicated purchase, and they had my back every step of the way.
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Reply from Cara Cunha
February 5th, 2026 02:15 PM
It's great to hear that you felt well-supported throughout your home purchase, Jeanne. I’m glad I could assist in navigating what sounds like a complex process and that you found the answers and explanations you needed along the way. If you...
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Cara was lovely to work with. She was able to promptly answer any questions we had throuhgout the process and was very easy to reach. We would love the opportunity to work with Cara again in the future.
Reply from Cara Cunha
February 4th, 2026 07:08 PM
Emily, I'm glad to know your experience with me was positive and that I could assist you promptly throughout the process. It would be a pleasure to work with you again in the future. Should you have any further questions or need guidance, feel...
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Cara went above and beyond to make the whole process smooth. We were working with another lender that was a disaster and then our lawyer recommended Cara and we were so glad. Cara walked us thru everything, has a great team of people with her,...
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Reply from Cara Cunha
February 3rd, 2026 03:46 PM
It's truly rewarding to hear that I could facilitate a smooth transition for you, Kathryn, especially after your initial experience. Working collaboratively with your team—lawyer, realtor, and insurance—was fundamental in ensuring everything...
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Cara is the best! She is so professional and communicative. We trust her 1000%!
Reply from Cara Cunha
January 15th, 2026 02:16 PM
Thank you so much, Mark. I’m pleased to hear that my professionalism and communication have earned your trust. If you ever need assistance again or have questions, I’m here to help.
My daughter and I got a home loan with Cara from Embrace Home Loans. This isn't my wheel house, my daughter said, no worries, we have Cara! Boy was she right. From beginning to end, she was top notch! Thank you Cara for your fantastic abilities...
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Reply from Cara Cunha
January 12th, 2026 03:40 PM
I'm grateful for your kind words, Vincent. It was my pleasure to assist you and your daughter with your home loan. Knowing that you felt supported throughout the process is rewarding. If any questions come up down the line, feel free to reach...
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Cara and her team are extremely diligent! She gets things done that no one can! I thank you immensely for your dedication to me as your client! Cara is my recommended Lender, I am a Realtor. Now I can see firsthand why all my clients love her!...
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Reply from Cara Cunha
January 12th, 2026 09:55 PM
I appreciate your kind words, Marjorie. It means a lot to hear that my diligence has positively impacted your experience as both a client and a Realtor. Your recommendation is a wonderful endorsement, and I'm grateful for your trust. If you...
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Ive used Cara twice now to purchase a home. Cara is extremely knowledgeable, professional, and communicative. She takes all of the stress out of securing a mortgage. I wouldn't go anywhere else for my mortgage needs and I highly recommend Cara...
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Reply from Cara Cunha
January 6th, 2026 08:36 PM
Thank you for your encouraging words, Corrinne. It's great to know that my support helped alleviate the stress of securing a mortgage for you. I'm glad to be a part of your home-buying journey and appreciate your trust in me for your mortgage...
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About
Cara Cunha (NMLS #1110518) is a premier mortgage loan officer and local lending expert in Melville, New-York. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Cara provides comprehensive home financing solutions with Embrace Home Loans. Cara Cunha, a Producing Sales Manager at Embrace Home Loans, is passionate about helping buyers navigate the mortgage process with confidence, clarity, and care. A lifelong Long Islander, Cara brings a strong work ethic, deep local knowledge, and a genuine commitment to her clients with every transaction. Contact Cara today to explore your home loan options and get pre-approved!
Products & Services
Mortgage Loan Officer
Mortgage Refinance
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Positions
- Embrace Home Loans - Senior Loan OfficerOct 4th, 2022 - Current
Year Started
2022
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS 1110518
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Disclaimer
Embrace Home Loans, LLC. is an Equal Housing Lender
Embrace Home Loans, LLC. | NMLS ID # 2184
25 Enterprise Center | Middletown, RI 02842 | Toll Free: 833-242-5820
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NMLS Consumer Access: http://www.nmlsconsumeraccess.org
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Embrace Home Loans, Inc. NMLS ID # 2184 is licensed in AL, AZ (Lic.#BK-0906375), AR, CA Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, CO (Lic.#096162) Regulated by the Division of Real Estate, CT, Licensed by the Delaware State Bank Commissioner to engage in business in Delaware (Lic.#7317, Exp.12/31/2017), DC, FL, GA (Lic.#12848), ID, Illinois Residential Mortgage Licensee, IN, IA, KS, Supervised Lender Licensee (#SL0000625), KY, LA, ME, MD, MA Mortgage Lender & Mortgage Broker (Lic.#MC2184), MI, MN, Mississippi Licensed Mortgage Company, MO, NE, Licensed by the New Hampshire Banking Department, Licensed by the New Jersey Department of Banking and Insurance, NM, NY Licensed Mortgage Banker - NYS Department of Financial Services, NC, ND, OH, OK, OR (Lic.#ML322), PA, Rhode Island Licensed Mortgage Lender and Mortgage Broker, SC, SD, TN, TX, UT, VA, WA, WV, WI.