Wayne Palkovic
Sr Loan Officer | NMLS 201581
Wayne Palkovic (NMLS #201581) is a premier mortgage loan officer and local lending expert in Martinsburg, West-Virginia. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Wayne provides comprehensi...... Show More
Location & Business Hours
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
Wayne assisted me in the purchase of my home. He was professional, attentive, prompt with communication, and very knowledgeable. My questions were always answered and I was always made aware of the progress of my loan. I would absolutely request...
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Reply from Wayne Palkovic
June 13th, 2025 04:51 PM
I'm thrilled to hear about your positive experience with the purchase of your home. It was a pleasure assisting you, and I appreciate your kind words about my professionalism and communication. I'm glad I could address your questions and keep...
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Wayne has always been great! His knowledge is second to none and quite frankly I wouldn't want anyone else handling my financial affairs.
Reply from Wayne Palkovic
May 4th, 2025 01:11 PM
I'm thrilled to hear about your positive experience, Tyler. It has been a pleasure assisting you with your cash-out refinance. Your trust and kind words mean a lot to me. Thank you for choosing Embrace Home Loans.
I am exceptionally pleased with Wayne and every part of this entire homebuying process. Wayne was able to meet my needs and paramters for the loan and payments as well as to provide critical insight and suggestions to ease the process. I will...
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Reply from Wayne Palkovic
April 20th, 2025 06:51 PM
I'm thrilled to hear that you are exceptionally pleased with the homebuying process, Eric. It was a pleasure meeting your needs and providing insights to make the process smoother. Your recommendation means a lot, and I am grateful for your...
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Wayne Palkovic has received a review with 5 star rating from Harry T
For being a first time buyer for a house, they have made it very easy and on above and beyond to explain help answer. Any questions with this process would highly recommend using them I know I will again.
Reply from Wayne Palkovic
June 4th, 2026 04:05 PM
Harry, I appreciate your recommendation and am pleased to hear that your first-time home buying experience went smoothly. Making the process easy and answering all your questions is something I take seriously. If you ever have more questions...
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Wayne was easy to contact and kept us up-to-date about what was happening with the loan.
Reply from Wayne Palkovic
May 27th, 2026 01:51 PM
Constance, I appreciate you sharing your experience. I'm glad I could keep you informed and make the communication process smooth during your loan journey. If there's anything else you need, feel free to reach out.
i've worked with Wayne for years, and he has always been wonderful. He's a great communicator, he always follows through and if he says the deal is going to go through, it does!
Reply from Wayne Palkovic
May 27th, 2026 01:52 PM
Meredith, I appreciate your trust and continued support over the years. I'm pleased to hear that my communication and follow-through have made a positive impact on your experiences. If there's ever anything more you need, please feel free to...
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Wayne was very knowledgeable and willing to help with our many questions that we had. He was a great guide to us through the entire process.
Reply from Wayne Palkovic
May 23rd, 2026 12:57 AM
Thank you for your kind words, Edward. I'm pleased to hear that you found my guidance helpful and that I could assist with your questions throughout the process. If there's anything else you need, feel free to reach out.
Wayne is very knowledgeable. He's always there when I need him. Any of my clients need him. One of the most respectful people that I know. He is a man of Honor.
Reply from Wayne Palkovic
May 27th, 2026 01:51 PM
I'm grateful for your kind words, Bruce. I appreciate your trust and am pleased to hear that my knowledge and availability have been helpful to both you and your clients. Being respectful is important to me, and I'm thankful for your recognition...
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Wayne feels like a friend who is there to help you through the complicated process. I was a first time homebuyer and I was grateful to have him with me to explain everything. He's incredibly friendly and kind and SO responsive. I'd be very...
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Reply from Wayne Palkovic
May 10th, 2026 12:39 AM
Thank you, Elizabeth, for your kind words. I'm pleased to know that you felt supported during the home-buying process and that my approach helped make things clearer for you. It's rewarding to hear that you would be glad to work with me again....
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About
Wayne Palkovic (NMLS #201581) is a premier mortgage loan officer and local lending expert in Martinsburg, West-Virginia. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Wayne provides comprehensive home financing solutions with Embrace Home Loans. Wayne Palkovic has over 43 years of experience in the mortgage industry and is eager to put that knowledge to work for you. He has helped thousands of clients become homeowners and brings an in-depth knowledge of USDA, FHA, Conventional, VA, West Virginia Housing, Jumbo, and Conforming loans. Wayne understands how stressful and confusing the homebuying process can be. Contact Wayne today to explore your home loan options and get pre-approved!
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Down Payment Assistance
Conventional Home Loan
Fixed Rate Mortgages
USDA Loans
Non-QM
Specialities
FHA, VA, USDA, Conventional, Investment and First Time Buyers Loan
Conventional, FHA, VA, USDA, WV Housing, Jumbo Loans and Non-Traditional Mortgage Loans
Home Loans
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Positions
- Embrace Home Loans - Sr. Mortgage Loan OfficerSep 1st, 2013 - Current
Memberships
- Eastern Panhandle Board of Realtors - Associate Member
- Certified Mortgage Advisor
Addresses and Serving Areas
Year Started
1980
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS 201581
Videos
Awards
Best VA Loan Speci...
Certified Mortgage...
Achievements
- Certified Mortgage Advisor
Hobbies
- Fishing
- College Football
- Fishing, Sports, Travel, Spending time with family
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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
©2024 All Rights Reserved
NMLS Consumer Access: http://www.nmlsconsumeraccess.org
Licensing | Privacy | Contact Us
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.