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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...
2024-2018
2021,2020
5
Derrick S.
Completed transaction in December 2025
We had an outstanding experience working with Karla druing our home buying process. From start to finish, she was knowledgeable, responsive, and genuinely committed to helping us secure the best loan option. She took the time to explain every detail clearly, answered all of our questions promptly, and made what could have been a stressful process feel smooth and manageable. Karla's professionalism and expertise were evident in every interaction. She went above and beyond to ensure deadlines were met and that we felt confident at every step. We truly appreciated her transparency, patience, and personal attention. We highly recommend Karla to anyone looking for a trustworthy and exceptional home loan officer.
5
Teresa T.
Completed transaction in December 2025
Karla was always pleasant and up beat when speaking with her. She kept you in the loop with where your mortgage was in relation to being approved . You also knew exactly what documents were needed from you, and when to supply them. The Embrace Team was great to work with as well. The EMBRACE (mortgage) SYSTEM used for listing and uploading documents due, was handsdown the easiest system I 've ever used. I would highly recommend both EMMBRACE HOME LOANS and KARLA MELGAR for your next Home Loan experience.
5
Douglas C.
Completed transaction in November 2025
Great team and a smooth experience
4
Suzanne B.
Completed transaction in October 2025
Karla was available all the time. She responded quickly to all our questions.
5
Dustin P.
Completed transaction in October 2025
great communication
Explore your options and take advantage of your mortgage opportunities
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107 Centennial St., Suite 100C
MD -320646 USLa Plata, MD 20646
Yes. 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.
4.93 (487 Reviews)
