Roller Coaster with WestBrooke and Embrace Logos

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!


Westbrooke Builders Award

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.

Karla Melgar

Karla Melgar

c: 443.994.9168 | ph: 443.321.4500 ext. 3616

With over 52 years in mortgage banking and three decades specializing in VA loans and working with builders on new construction loans, Karla has the know-how to help guide you in the right direction. Customer satisfaction is Embrace’s highest priority, and we are always developing new loan products, like our 360-day rate lock to fit the individual needs of our borrowers.

Senior Loan Officer | NMLS #186602

107 Centennial St., Suite 100C, La Plata, MD 20646

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  • 5

    STACY G.

    Completed transaction in February 2024

    KARLA WAS AMAZING. SHE WORKED HARD AND TIRELESSLY TO ASSURE WE WOULD GET FINANCING AND A GREAT RATE. SHE KEPT US INFORMED ON A DAILY BASIS THROUGHOUT THE PROCESS.

  • 5

    Mackenzie L.

    Completed transaction in January 2024

    Karla was very helpful and timely. She made our first time home buying process seamless.

* 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