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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
Wed
9 AM to 5 PM(Open now)
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Wayne was great to work with. He was very knowledgeable, had great communication, and was quick to respond to our questions.
Reply from Wayne Palkovic
March 18th, 2026 05:59 PM
Leo, I'm grateful for your generous feedback. I'm pleased to hear that my knowledge and communication met your expectations. It's important to me to respond promptly to any questions, so it's great to know that this was reflected in your experience....
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I just love working with Wayne he is always responsive and doesnt mind a challenge.
Reply from Wayne Palkovic
March 17th, 2026 03:17 PM
It's wonderful to hear that you've enjoyed working with me again, Michelle. I appreciate your kind words about my responsiveness and willingness to tackle challenges. I'm always here to help your clients. Thank You
Top notch, professional, loads of experience! I highly recommend! Wayne is simply the best!
Reply from Wayne Palkovic
February 6th, 2026 06:54 PM
I appreciate your recommendation, Susan. It's great to hear that you valued my professionalism and experience. Supporting you in your journey was important to me, and it means a lot to know that you had such a positive experience. If there's...
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Our loan experience with embrace was well informed, quick and transparent. We were very pleased with the entire process.
Reply from Wayne Palkovic
January 26th, 2026 12:36 AM
Thank you, Barbara, for sharing your thoughts on your loan experience with Embrace Home Loans. I'm pleased to hear that the process was well-informed, quick, and transparent for you. Your satisfaction is important to me, and I'm glad the experience...
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I can not express how amazing this team was. Wayne is absolutely amazing and I would recommend him to anyone looking for a home .
Reply from Wayne Palkovic
January 16th, 2026 05:37 PM
Thank you, Christopher, for your kind words. I'm truly pleased to hear that you had a positive experience with the team and found my approach helpful during your home buying journey. Your recommendation means a lot to me, and if there's anything...
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Wayne is not only a great Lender, he has become an awesome friend. He goes above and beyond to get each transaction to closing. There just isn't any better lenders out there.
Reply from Wayne Palkovic
January 16th, 2026 02:47 PM
I'm glad to hear that I've been able to support you as both a lender and a friend, Bruce. It's important to me to go the extra mile to ensure each transaction reaches closing smoothly. Your trust and friendship are truly valued. If there's...
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Wayne made the experience absolutely wonderful and so easy, everytime I was worried about something he was right there to answer all my questions. Cassandra was also so wonderful. She would call and keep me updated with every step and answer...
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Reply from Wayne Palkovic
January 9th, 2026 04:27 PM
Benjamin, it’s great to hear that I could help make the experience smooth and reassuring for you. Being available to answer your questions is important to me, and I'm pleased that both I and Kassandra were able to keep you informed and at ease...
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Wayne is amazing! Constant communication, incredibly thorough and so very easy to work with! It's always a pleasure working with him. He is definitely a huge asset to your company.
Reply from Wayne Palkovic
January 9th, 2026 04:20 PM
I'm grateful for your thoughtful feedback, Kim. Maintaining constant communication and being thorough are key priorities for me, and I'm pleased to know you found working with me so easy. Your words affirm the dedication I bring to every interaction....
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I got the loan and the house, so that is great.
Reply from Wayne Palkovic
January 9th, 2026 04:18 PM
It's great to hear that you got both the loan and the house, Thomas. I appreciate you sharing your experience, and I'm happy to have been a part of your home-buying journey. If there's anything else I can assist you with, please feel free to...
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Wayne is so professional and super quick to respond which as an Realtor thats one of the most important qualities in a lender. Thank you for always going above and beyond!!!
Reply from Wayne Palkovic
December 26th, 2025 11:59 PM
I appreciate your kind feedback, Michelle. It's great to know that my responsiveness and professionalism have been valuable to you in your work as a Realtor. Going the extra mile is important to me, and I'm glad it made a difference for you....
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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.