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
Location & Business Hours
Tuesday
9:00 AM to 5:00 PM
Wednesday
9:00 AM to 5:00 PM
Thursday
9:00 AM to 5:00 PM
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Reviews from Web
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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Promt and clear communication with great customer service.
Reply from Karla Melgar
March 13th, 2026 03:03 PM
Thank you for taking the time to share your experience, Nicholas. I'm pleased to hear that the communication was prompt and clear throughout your home loan process. Providing great customer service is important to me, and your positive feedback...
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Karla made the entire process so easy! She explained everything well and answered all of our questions. She provided an exceptional level of customer service and it was an absolute pleasure working with her! Thank you, Karla (and team) for...
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Reply from Karla Melgar
March 12th, 2026 06:37 PM
I'm really glad to hear that the process felt easy for you, Katelyn. Clarifying details and addressing all your questions are important to me, so it's wonderful to know you felt well-supported. Thank you for your kind words about my customer...
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Karla and her team were very communicative and made sure I understood every step along the way.
Reply from Karla Melgar
March 10th, 2026 02:45 PM
It's great to hear that you felt well-informed and supported throughout the process, Ethan. Making sure you understand every step is a priority for me, and I'm glad my team's communication met your expectations. If you need anything else or...
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Good communication in a timely manner.
Reply from Karla Melgar
March 6th, 2026 09:11 PM
I appreciate your feedback, Malinda. It’s great to know that the communication met your expectations and was timely. If you ever have more questions or need further assistance, I'm here to help. Thank you for entrusting your home purchase journey...
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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!
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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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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.