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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
Karla was extremely helpful throughout the entire process. She was always available to answer any questions we had.
Reply from Karla Melgar
August 19th, 2025 01:28 PM
I'm glad I could be of help during the loan process, Jason. Being available to answer your questions is something I prioritize, and I'm pleased to know it made a difference for you. If there's anything more you need or other questions arise,...
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Karla was patient with us and provided exceptional service
Reply from Karla Melgar
August 18th, 2025 02:34 PM
Thank you, Valerie, for your kind words. I'm glad to hear that my patience and service met your expectations. It's important to me that the process is as smooth and stress-free as possible for you. If you ever have any questions or need further...
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She communicated often and worked quickly. When other opportunities didnt work out, she remained open and was able to get me to the closing table in less than 30 days
Reply from Karla Melgar
August 26th, 2025 12:33 PM
Thank you, Tonita, for sharing your experience. I'm delighted that my communication and efficiency helped guide you through the process swiftly, especially when other options fell through. It's great to hear we were able to reach the closing...
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Karla and the Embrace Team were wonderful during our home search and home buying process. Karla was avaliable to talk and answer my questions late into the evening and even on the weekends. She went out of her way to make sure we felt comfortable...
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Reply from Karla Melgar
August 10th, 2025 01:49 PM
Emily, thank you for your wonderful review. I'm delighted to hear that you felt comfortable and well-informed throughout your home buying journey. Being available to answer questions and ensuring a smooth process is very important to me, and...
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A defining characteristic of Karla Melgar’s service was her unwavering dedication to the needs and goals of both the agent and the buyer. She took the time to understand their unique priorities and concerns, never adopting a one-size-fits-all...
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Reply from Karla Melgar
August 7th, 2025 02:15 PM
Thank you for your thoughtful review, Jeff. I'm so glad to know that my dedication to both the agent and buyer’s unique needs made a positive impact. I believe each person’s situation is distinct, and it’s important to me that everyone feels...
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Karla Melgar provided exceptional service as my loan officer. Her experience and dedication was evident from our first meeting.Karla's first priority is the customer. The loan process is not easy to navigate!! She patiently helped me stay on...
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Reply from Karla Melgar
July 14th, 2025 02:47 PM
Thank you so much for your kind review, Violet. I'm very pleased to hear that my dedication to your needs came through from the start. Navigating the loan process can indeed be challenging, and I'm glad I could assist you every step of the...
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Karla was great—prompt to respond, even on evenings and weekends. She gave excellent advice, helped us anticipate potential issues, and her strong connections in the industry made everything go smoothly.
Reply from Karla Melgar
July 9th, 2025 01:29 PM
I appreciate your kind words, Brian. I'm glad to hear that I was able to provide prompt responses and helpful advice throughout the process. Anticipating potential issues is a key part of ensuring a smooth experience, and I'm pleased it all...
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Karla,
Was fantastic to work with. Everything she promised, she did. She is very knowledgeable and seasoned. I look forward to working with her again!
Reply from Karla Melgar
May 24th, 2025 08:47 PM
I'm thrilled to hear that you had a fantastic experience with your loan process. It was a pleasure assisting you, and I look forward to the opportunity to work with you again in the future. Your knowledge, support and easy access made the process...
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I liked the portal
Reply from Karla Melgar
May 14th, 2025 05:30 PM
I'm glad to hear that you found the portal helpful during your loan process. Thank you for choosing Embrace Home Loans. If you have any further questions or need assistance, feel free to reach out.
Karla and her team are professionals and take special care of all our concern. The process was very carefully crafted and Karla never missed a beat to help up with all concerns and offer suggestions thst really help us.
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Reply from Karla Melgar
May 8th, 2025 04:05 PM
I'm delighted to hear that you had a positive experience with your cash-out refinance process. It was a pleasure assisting you, and I'm glad that our team's efforts and suggestions were helpful. Thank you for your kind words and trust in Embrace...
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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.