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 did a great job with an ontime closing & was ready to go well in advance. Thank you for making it a smooth transaction for all. Highly recommend.
Matt was very helpful and kept us informed throughout the entire process.
Reply from Matthew O'Connell
December 22nd, 2025 03:29 PM
Thanks so much John! I really appreciate that. Communication makes all the difference, and I’m glad it showed throughout the process. It was great working with you, and if anyone in your circle ever needs guidance, I’m always happy to help.
I enthusiastically recommend Embrace based on my recent experience working with them to secure a mortgage. From start to finish, their professionalism, responsiveness, and clear communication made a potentially stressful process straightforward...
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Reply from Matthew O'Connell
December 18th, 2025 06:48 PM
Thank you so much for the kind words and the trust you placed in us. Helping make what can be a stressful process feel clear, smooth, and predictable is always the goal—so hearing that your experience was exactly that means a great deal to...
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Matt was always updating me on the loan progress and had the commitment quickly. My buyers were also very happy with his excellent communication .
Reply from Matthew O'Connell
November 28th, 2025 02:09 PM
Thanks Claudia! I appreciate the opportunity you provided to make that happen.
Matt was very attentive and answered all of our questions every step of the way. No matter when we reached out, he was quick and responsive. He made sure we understood all of our options. We would highly recommend Matt to friends & family!
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Reply from Matthew O'Connell
November 23rd, 2025 06:17 PM
Erin, thank you so much for your feedback! I’m glad I could assist and provide clarity throughout your experience with Embrace Home Loans. Ensuring you understood your options is important to me, and it's great to know that the communication...
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How attentive Matthew was during the whole procesx.
Reply from Matthew O'Connell
October 1st, 2025 02:09 PM
Lolita, I'm glad you found my attentiveness helpful during the process. Being present and responsive is something I prioritize to ensure a smooth experience. If there's anything else you need or any questions you have, don't hesitate to reach...
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The agent was truthful
Explained things for what they were
He was direct and yet i beleive fought for us to get the best deal possible.
I learnt a lot in the process
Reply from Matthew O'Connell
October 4th, 2025 06:40 PM
Joe, I appreciate your kind words about your experience with me at Embrace Home Loans. It's important to be direct and transparent, and I'm glad you felt well-informed throughout the process. I'm pleased that you believe I was able to secure...
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We appreciate him flagging the risks with our loan
Reply from Matthew O'Connell
September 26th, 2025 01:45 AM
Rosalie, I appreciate your feedback and am glad I could bring important aspects to your attention during the loan process. It's crucial to address potential risks so you can make informed decisions. If you have any questions or need further...
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Great serbice as always!
Matthew was very informative and took the time to explain everything.
He was very helpful throughout the process.
Reply from Matthew O'Connell
August 29th, 2025 01:17 PM
Joshua, thank you for taking the time to share your experience. I'm glad to hear that you found my explanations informative and that you felt supported throughout the process. Helping clients understand each step is something I prioritize,...
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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.