Experience the thrill of an effective rate plunge.
Welcome Westbrooke Homes buyers! Since 1983, we’ve been helping homebuyers and homeowners get the financing they need to buy a new home, refinance an existing mortgage, or consolidate high-interest debt. Customer satisfaction is our highest priority (we continue to win awards), and we are always developing new loan products to fit the individual needs of our borrowers. When you work with us, you’ll discover why getting a mortgage is so much better when you Embrace it.
Ready for some excitement? Embrace just introduced a temporary LENDER PAID BUYDOWN that can lower the rate you pay by 1% for the first year*! Reach out today!
Congratulations to Allen West, a winner of the Fredericksburg Area Builders Association (FABA) 2023 Builder Guide Award. This remarkable achievement marks his third win, solidifying Westbrooke Homes’ reputation for excellence in building elegantly crafted homes throughout Greater Fredericksburg and Southern Maryland.
On behalf of myself and all of us at Embrace, we’d like to share our continued gratitude for the support we’ve received in this professional community. Here’s to our continued success in helping buyers build and finance their dream homes.
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Karla Melgar
c: 443.994.9168 | ph: 301-823-3014
Senior Loan Officer | NMLS# 186602
107 Centennial St., Suite 100C, La Plata, MD 20646
5
5 Survey completed on June 16, 2026
Review By Charles King . for Karla Melgar
Completed transaction in No Date
Working with Karla at Embrace Home Loans was an absolute game-changer for our family! She went entirely above and beyond to help us purchase our home. Navigating the home-buying process can be stressful, but Karla made us feel supported every single step of the way. She was always available and completely ready to answer any questions we had, responding both quickly and effectively. Even over the phone, her incredible personality shined through, she is so genuinely personable, caring, and dedicated to helping families achieve their dreams. If you want someone who is highly efficient but treats you like family, look no further than Karla. We cannot thank her enough!
5
5 Survey completed on June 13, 2026
Review By Mortrece K. for Karla Melgar
Completed transaction in June 2026
Karla was very goo, easy to work with and always available
* The actual rate never changes. The buydown amount depends on the amount contributed by the lender. The borrower remains responsible for the full amount of the monthly payment if, for some unforeseen reason, the buydown funds are not forthcoming. Loan amount and other restrictions may apply in certain areas.
Embrace Home Loans, Inc. NMLS #2184; 25 Enterprise Center, Middletown, RI 02842, Phone 800.333.3004, www.nmlsconsumeraccess.org. DE - Licensed by the Delaware State Bank Commissioner, License #7317
