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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
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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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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Our experience was great from start to finish! Communication was excellent, questions were answered quickly, and the entire process was smooth and stress-free. We truly appreciated the guidance and would highly recommend them!
Reply from Wayne Palkovic
August 20th, 2026 07:26 PM
Thank you so much for your kind words, Jessica. I'm pleased to hear that the process was smooth and stress-free for you and Matthew, also that my communication met your expectations. Your recommendation means a lot to me, and I'm glad I could...
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Wayne Palkovic has received a review with 5 star rating from Zach P (
Reply from Owner
August 6th, 2026 02:23 PM
Thank you for the great rating, Zach. I'm pleased to know that your experience with Embrace Home Loans was positive. If there's anything further I can assist with, please feel free to reach out.
Wayne is always very responsive and helpful!
Reply from Wayne Palkovic
August 6th, 2026 02:23 PM
Thank you, Zachary, for your kind words. I'm pleased to know that my responsiveness and helpfulness made a positive impact on your experience with Embrace Home Loans. If there's anything more I can assist you with, please feel free to reach...
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Wveryone was really nice and helpful during the home buying process
Reply from Wayne Palkovic
July 24th, 2026 03:47 PM
I'm pleased to hear that you found everyone nice and helpful during your home buying process, Damien. Your experience is important to me, and I'm glad we could assist you effectively. If you have any further questions or need additional support,...
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Very helpful and easy to work with.
Reply from Owner
July 15th, 2026 04:26 PM
Thank you, Tina, for sharing your experience. I'm pleased to hear that you found working with me and my team helpful and easy. If there's anything else you need, feel free to reach out.
Everything was very straightforward and easy for first time home buying.
Reply from Wayne Palkovic
July 15th, 2026 04:27 PM
I'm pleased to hear that your first home-buying experience was straightforward and easy, Kristina. It's important to me to make the process as smooth as possible. If you have any further questions or need assistance, feel free to reach out.
Communication, professional, guidance throughout
Reply from Wayne Palkovic
July 13th, 2026 02:04 PM
Guy, I appreciate your feedback on my communication and professional guidance throughout the process. It's important to me that I provide consistent support during your home purchase journey. If there's anything more you need, feel free to...
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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
- National Mortgage Professional Magazine - Past Best Military Originator
Addresses and Serving Areas
Primary Serving Area
Year Started
1980
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS 201581
Gallery
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.