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https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar
Senior Loan Officer NMLS# 186602
Karla Melgar is a trusted mortgage professional in La Plata, MD 20646
With over 52 years in mortgage banking and three decades specializing in VA and Builder lending, 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 to fit the individual needs of our...
2025-2018
2021,2020
5 (5 stars)
Charles King .
Completed transaction in June 16, 2026
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 stars)
Mortrece K. from Arlington, VA
Completed transaction in June 13, 2026
Karla was very goo, easy to work with and always available
5 (5 stars)
Janet Holt .
Completed transaction in June 10, 2026
Karla was responsive, pro-active, and efficient. She went above and beyond, even offering to attend closing with my client when I couldn't due to a medical emergency. Two thumbs up!
5 (5 stars)
Janet H. from Arlington, VA
Completed transaction in June 10, 2026
Karla was responsive, pro-active, and efficient. She went above and beyond, even offering to attend closing with my client when I couldn't due to a medical emergency. Two thumbs up!
5 (5 stars)
Sara King .
Completed transaction in June 04, 2026
Karla is hands down the best! She made our home-buying process so smooth. She was always reachable, extremely helpful, and answered every single question we had without hesitation. Her dedication to going above and beyond for her clients is unmatched. I would recommend Karla to absolutely everyone!
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Explore your options and take advantage of your mortgage opportunities
APPLY NOWYes. Karla Melgar 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 Karla Melgar at our La-Plata 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 La-Plata 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, Karla Melgar is here to help you reach your goals.
Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Karla Melgar 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. Karla Melgar will walk you through your options and help you find the right fit.
4.94 (510 Reviews)
