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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 (5 stars)
Warren O. from Hughesville, MD
Completed transaction in March 11, 2026
My wife and I had an excellent experience working with Karla Melgar during the purchase of our forever home. From start to finish, Karla kept us informed every step of the way and made what could have been a stressful process feel smooth and manageable. She was extremely thorough with the information she provided and patiently explained each stage of the loan approval process. Her customer service was truly above and beyond outstanding. Karla was responsive to every call, and was always professional, kind, courteous, engaging, personable, timely, encouraging, and knowledgeable. At no point did we feel uncertain about what was happening with our loan. Karla made sure we understood the process and always kept us up to date. We highly recommend Karla Melgar to anyone seeking a home loan. Her professionalism and dedication made our home-buying experience exceptional. Warren and Vonya
5 (5 stars)
Samantha B. from Hughesville, MD
Completed transaction in March 11, 2026
Karla was very communicative with my clients! The deal closed on time and she was very upfront and kept them updated on the status of their loan.
4 (4 stars)
Charlotte C. from King George, VA
Completed transaction in February 26, 2026
There were no hiccups in our loan process. Karla was always available to answer our questions.
5 (5 stars)
Nicholas C. from King George, VA
Completed transaction in February 26, 2026
Promt and clear communication with great customer service.
5 (5 stars)
Katelyn H. from King George, VA
Completed transaction in February 21, 2026
Karla made the entire process so easy! She explained everything well and answered all of our questions. She provided an exceptional level of customer service and it was an absolute pleasure working with her! Thank you, Karla (and team) for being the best!
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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 (502 Reviews)
