Matthew O'Connell
Branch Manager | NMLS 239152
Matthew O'Connell (NMLS #239152) is a premier mortgage loan officer and local lending expert in Timonium, Maryland. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Matthew provides comprehensive ... Show More
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Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Matt is incrediblly responsive, professional and knowledgeable. His attention to market fluctuations and changes helped us lock in a rate at the time. WIll save us tens of thousands of dollars over the years. Highly recommend Matt and the entire...
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Reply from Matthew O'Connell
September 18th, 2026 02:41 PM
Wow Chris, thank you for that! I've said it before and I'll say it again, when you have the opportunity to work with great people like you and Monica, it makes all the difference. Couldn't be happier for you both and I really hope you enjoy...
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Matt is exceptional at what he does. He listens carefully and matches you with the best product/program that fits your personal goals while offering great rates. He is available and is a strong communicator throughout. Embrace’s property vale...
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Matt thoroughly explained all of our options, listened carefully to our goals and concerns, and did extra research to find the best product/ option for our mortgage. He is the consummate professional and clearly cares for his customers. He...
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Reply from Matthew O'Connell
September 15th, 2026 01:51 PM
Thank you Monica! I appreciate your kind words and really happy that this one worked out for you and Chris. Honestly, my job gets a lot easier when buyers are fully engaged and onboard. So thank you for that and wish you nothing but the very...
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Matt always takes the best care of our shared Clients. He is so knowledgable and shops for the best product and rate available, because he is honest and he cares. He is well versed at using the property value certificate which is a huge tool/help...
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Reply from Matthew O'Connell
September 15th, 2026 01:35 PM
Thanks Emily! I appreciate you putting your trust in me and super grateful for the opportunity to work with you!
Matthew O'Connell has received a review with 5 star rating from Jennifer T
Matt was very responsive and easy to work with. My buyers enjoyed working with him as well!
Reply from Matthew O'Connell
September 2nd, 2026 02:02 PM
I appreciate the kind words and the opportunity to help your buyers. Working with great agents like you makes the process easy!
Matthew O'Connell has received a review with 5 star rating from Gathings R
Matt is very knowledgeable in his field. He is right there, day or night, to give you the support you need.
Reply from Matthew O'Connell
August 27th, 2026 09:07 PM
Thank you for the generous feedback. While I'm grateful for the recognition, the credit really belongs to you. You were proactive, communicative, and committed every step of the way, which made all the difference. I truly appreciate the opportunity...
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Matt was amazing! He really helped break down the complexity of home financing to us in simple terms we could more easily understand. We went under contract more than once in this process, and each time he was extremely responsive. His patience...
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Matt was so kind and informative and responsive. He made a challenging process so much more manageable. He patiently explained all the math of home financing to us and we are very grateful for all his help!
Reply from Matthew O'Connell
August 21st, 2026 01:21 PM
Thank you so much for your kind words! Honestly, I'm the one who is grateful. Homebuying doesn't always follow a straight path, and despite a few homes not working out along the way, you both stayed positive, trusted the process, and kept moving...
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About
Matthew O'Connell (NMLS #239152) is a premier mortgage loan officer and local lending expert in Timonium, Maryland. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Matthew provides comprehensive home financing solutions with Embrace Home Loans. Matthew OâConnell joins Embrace as a Branch Manager. He previously worked at Prosperity Home Mortgage, where he was a Senior Mortgage Consultant focusing on loan origination. There he helped foster a successful team, and provided training and coaching to help with his team membersâ personal growth and the companyâs profitability. Contact Matthew today to explore your home loan options and get pre-approved!
Products & Services
Mortgage Loan Officer
FHA Home Loan
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Positions
- Embrace Home Loans - Branch ManagerMar 1st, 2019 - Current
Year Started
2022
Time Zone
Central Standard Time (CST)
Licenses
- NMLS 239152
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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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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.