Karla Melgar
Sr Loan Officer | NMLS 186602
Karla Melgar (NMLS #186602) is a premier mortgage loan officer and local lending expert in La-Plata, Maryland. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Karla provides comprehensive home fi...... Show More
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9 AM to 5 PM
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9 AM to 5 PM
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9 AM to 5 PM
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Working with Karla at Embrace Home Loans was an absolute game-changer for our family! She went entirely above and beyond to help us purchase our home. Navigating the home-buying process can be stressful, but Karla made us feel supported every...
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Karla was very goo, easy to work with and always available
Karla was responsive, pro-active, and efficient. She went above and beyond, even offering to attend closing with my client when I couldn't due to a medical emergency. Two thumbs up!
Reply from Karla Melgar
June 10th, 2026 05:09 PM
Thank you so much for sharing your experience, Janet. I'm grateful for the opportunity to assist and support both you and your client during such an important time. I'm pleased to hear that my responsiveness and efforts made a positive impact....
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Karla is hands down the best! She made our home-buying process so smooth. She was always reachable, extremely helpful, and answered every single question we had without hesitation. Her dedication to going above and beyond for her clients is...
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Karla was a pleasure to work with and ensured we got our forever home! While the home buying process is very stressful, she made it a seamless experience.
Reply from Karla Melgar
May 13th, 2026 09:15 PM
I'm grateful for your kind words, D'Layne. It's appreciated to hear that I could help make the home buying process seamless for you. Congratulations on your forever home, and if you need anything else in the future, please feel free to reach...
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Karla and Angel were a marvel to work with. Karla communicated imensly and even let us know when she was avaiable and unavailable. She worked tirelessly and put in so much effort with us to ensure a postive outcome. The best team I have had...
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Reply from Karla Melgar
May 8th, 2026 01:27 PM
Thank you John for you positive feedback. It is our goad to always provide a 5* experience and happy you felt you received that. Thank you again and I know you and your family will make may happy memories in your beautiful new home.
Karla and her team are professional and great at taking you through the process from start to finish. Great communication, always on time, and treat you with kindness and care. Always will use them.
Reply from Karla Melgar
April 2nd, 2026 02:18 PM
Thank you for sharing your positive experience, Fredrick. It’s gratifying to know that the professionalism and communication met your expectations throughout the process. I'm glad to hear you felt treated with kindness and care. Having a client...
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My wife and I had an excellent experience working with Karla Melgar during the purchase of our forever home. From start to finish, Karla kept us informed every step of the way and made what could have been a stressful process feel smooth and...
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Reply from Karla Melgar
March 20th, 2026 08:27 PM
It's gratifying to know that your experience during such an important purchase felt smooth and manageable, Warren. I appreciate your kind words and am glad to have been part of the journey to your forever home. Ensuring you felt informed and...
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Karla was very communicative with my clients! The deal closed on time and she was very upfront and kept them updated on the status of their loan.
There were no hiccups in our loan process. Karla was always available to answer our questions.
Reply from Karla Melgar
March 16th, 2026 07:55 PM
I'm glad to hear your loan process went smoothly, Charlotte. Being available to address any questions you had was important to ensure a seamless experience. If there's anything more you need or any future inquiries, please feel free to reach...
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About
Karla Melgar (NMLS #186602) is a premier mortgage loan officer and local lending expert in La-Plata, Maryland. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Karla provides comprehensive home financing solutions with Embrace Home Loans. With over 52 years in mortgage banking and three decades specializing in VA and Builder lending, Karla has the know-how to help guide you in the right direction. Customer satisfaction is Embrace's highest priority, and we are always developing new loan products to fit the individual needs of our borrowers. We even have programs for people with credit scores as low as 580. Contact Karla today to explore your home loan options and get pre-approved!
Products & Services
Mortgage Loan Officer
Mortgage Refinance
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Year Started
1983
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS 186602
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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.