Chris Montemurro

Chris Montemurro

Loan Officer/Product Sales Manager   NMLS# 509647

orange star4.85 (162 Reviews)

5 stars

Chris Montemurro is a trusted mortgage professional in Bangor, ME 04401

About Chris

When is the right time to buy? There are times when renting makes more sense but many choose to buy. Why you ask?

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See what other homeowners have to say about me
  • 5 (5 stars)

    My experience refinancing with Embrace Home Loans was outstanding from start to finish. The entire process felt smooth, organized, and far less stressful than I expected. Every step was clearly explained, and I always knew what was happening and what to expect next. What stood out most was the level of communication. The team was consistently responsive, patient, and genuinely committed to helping me make the best financial decision. Any questions I had were answered quickly and in plain language, which made the whole refinance feel straightforward and manageable. The timeline was impressive as well. Everything moved efficiently, documents were handled promptly, and there were no surprises along the way. It was clear that Embrace has a well‑structured system and a team that truly knows what they’re doing. Overall, Embrace Home Loans delivered a refinance experience that was professional, transparent, and remarkably easy. I’d confidently recommend them to anyone looking to refinance their home.

  • 5 (5 stars)

    Chris was very very supportive during this whole process. I was able to r reach him at anytime that I had a question or needed to have clarification. I would choose him again if purchasing another property and definately refer friends and family. The app was user friendly and kept me abreast of the next step in the process.

  • 5 (5 stars)

    Chris was amazing! He guided us through every step of the process, and even when he had family matters to attend to, he still made sure we were taken care of and checked in on us. What we expected to be a difficult experience, he made simple and stress-free. He explained everything clearly so my husband and I could easily understand. We’ll definitely recommend Chris to our friends and family, and when we’re ready to buy another home or need a home improvement loan, he will be our first call.

  • 5 (5 stars)

    Chris walked us through every part of the process came up with a game plan executed it. We were not worried at all working with Chris. He knows his stuff his team knows his. The bottom line is they were excellent to work with thank you guys so much!!

  • 5 (5 stars)

    Chris never stopped looking to find the best options for buying our new home. Made a few changes to the original plan in order to get us the best deal and use money in the smartest way.

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Frequently asked questions

Yes. Chris Montemurro can help you explore low and no down payment options, including FHA, VA, USDA, and exclusive Embrace programs. You may also qualify for local or state assistance depending on your income and location.

Getting pre-approved is simple. You can apply online, schedule a call, or meet with Chris Montemurro at our Bangor branch. We’ll review your income, credit, and homebuying goals, then issue a personalized pre-approval letter. Many buyers choose Embrace’s exclusive Approved to Move program, which goes beyond standard pre-approval by fully underwriting your loan upfront.

Embrace Home Loans is a trusted mortgage lender serving Bangor and nearby communities. Our local loan officers offer personalized guidance, competitive rates, and exclusive loan programs designed to support homebuyers from pre-approval through closing. Whether you're a first-time buyer or refinancing, Chris Montemurro is here to help you reach your goals.

Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Chris Montemurro will help you compare fixed vs. adjustable rates, down payment requirements, and loan terms and guide you toward the best fit for your situation, whether you're buying your first home or your fifth.

The best mortgage depends on your credit, income, and long-term financial plans. Government-backed loans often offer flexible guidelines, while conventional loans may offer lower rates and reduced fees. Chris Montemurro will walk you through your options and help you find the right fit.

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