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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
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9 AM to 5 PM
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closed
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Attention to details and a personal touch
Reply from Karla Melgar
January 24th, 2026 02:21 PM
Good Morning Ken,Thank you and I am happy you had a 5 * experience. Providing you with personal service and paying close attention to detail is my goal. I know you and your family will make wonderful memories in your new home. I look forward...
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Karla was very commuicative and working with her makes things very easy for us.
Reply from Karla Melgar
January 7th, 2026 11:22 AM
Thank you Vee,
Making things easy for my borrowers and open communication are both very important to me. Thank you for giving me an opportunity to work with you a second time!!
Looking forward to our next opportunity to work together
We had an outstanding experience working with Karla druing our home buying process. From start to finish, she was knowledgeable, responsive, and genuinely committed to helping us secure the best loan option. She took the time to explain every...
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Reply from Karla Melgar
December 12th, 2025 03:53 PM
Congratulations on becoming a first time homeowner. It's wonderful to hear about your positive experience throughout the home buying process. I'm pleased that my efforts to be knowledgeable and responsive contributed to making the journey smooth...
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Karla was always pleasant and up beat when speaking with her. She kept you in the loop with where your mortgage was in relation to being approved . You also knew exactly what documents were needed from you, and when to supply them. The Embrace...
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Reply from Karla Melgar
December 12th, 2025 03:56 PM
It's rewarding to know that my approach helped you stay informed throughout the mortgage process. I aim to maintain clear communication and a positive interaction so that you always feel supported. I'm pleased to hear that the document system...
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Great team and a smooth experience
Reply from Karla Melgar
November 20th, 2025 05:02 PM
I'm glad to hear that you had a smooth experience with the team. If you have any further questions or need assistance in the future, please feel free to reach out. Thank you for choosing Embrace Home Loans!
Karla was available all the time. She responded quickly to all our questions.
Reply from Karla Melgar
November 10th, 2025 04:32 PM
I'm grateful for your feedback. Being available and responsive is important to me, and I'm glad to hear it made a difference in your experience. Don’t hesitate to reach out if there’s anything else I can assist you with in the future. Thank...
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great communication
Reply from Karla Melgar
October 13th, 2025 12:47 PM
Your feedback is greatly appreciated. Effective communication is a top priority for me, and I'm glad to know it made a difference in your experience. If there's anything more I can assist you with, please don't hesitate to reach out. Thank...
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Karla was easy to get ahold of when needed and was always quick to get back to us with answers.
Reply from Karla Melgar
October 2nd, 2025 12:34 PM
I appreciate your feedback, Cody. Being accessible and responsive is important to me, so I'm glad it aided your experience. If you ever have more questions or need assistance in the future, don't hesitate to reach out. Thank you for your trust...
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Karla has a wealth of knowledge in the lending field. She provided a wonderful experience for my buyers and kept me well informed along the way. The buyers were extremely happy with the end results, even getting back money at the closing table...
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Reply from Karla Melgar
September 2nd, 2025 07:10 PM
It was a pleasure to read your review, Christy. I'm glad to know that my experience in the lending field contributed positively to your buyers' journey. Keeping everyone informed and achieving a satisfying outcome at the closing table is very...
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Karla kept us informed and kept things on track
Reply from Karla Melgar
August 29th, 2025 02:00 PM
Thank you for your feedback, Steven. I'm glad I could keep you informed and ensure everything stayed on track throughout the loan process. It's important to me that my clients feel supported and well-informed at every stage. If there's anything...
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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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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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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.