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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
Fri
9 AM to 5 PM
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closed
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Reviews from Web
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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Karla is always awesome to work with! She is knowledgable, responsive and does a great job with keeping all parties updated!
Everything
Reply from Karla Melgar
February 26th, 2026 07:27 PM
Thank you for your positive feedback, Dennis. If you have any further questions or need assistance down the line, please feel free to reach out. I’m here to help, and I appreciate your trust in me and Embrace Home Loans during your home purchase...
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Carla is very friendly and encouraging. She has a lot of experience and worked closely with us from the beginning through closing. She and her team made the entire home buying all very enjoyable and stress free!
Reply from Karla Melgar
February 26th, 2026 02:39 PM
I'm glad to hear that the home buying process was enjoyable and stress-free for you, Mark. Ensuring a positive experience from start to finish is always my goal, and I truly appreciate your kind words about my approach. Should you have any...
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She was awsome helped out a lot thank you for everything
Reply from Karla Melgar
February 23rd, 2026 09:34 PM
I'm pleased to hear that you found my assistance helpful, Michael. It's important to me to ensure the process is as smooth as possible for you. If you have any questions or need further assistance, don't hesitate to reach out. Thank you for...
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Karla provided exceptional service from begining to end!! She was always there for me every step of the way to answer questions and provide feedback. You could tell that she was doing everything she could to be our advocate and do what was...
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Reply from Karla Melgar
February 20th, 2026 03:55 PM
It's encouraging to hear that you felt supported throughout the process, Justin. I aim to be an advocate for my clients, and I'm glad my efforts were beneficial to you and your family. If any questions come up in the future, feel free to reach...
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The guidance through the process was made easier by her addressing any concerns quickly and thoroughly.
Reply from Karla Melgar
February 4th, 2026 01:29 PM
I appreciate your thoughtful review, William. I'm pleased to know that addressing your concerns promptly helped ease the process for you. If you have any more questions or require further assistance, don’t hesitate to reach out. Thank you for...
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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.