https://www.embracehomeloans.com/media/ez0fb34x/kmelgar_bio72.jpg
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
Tonita C.
Completed transaction in August 2025
She communicated often and worked quickly. When other opportunities didnt work out, she remained open and was able to get me to the closing table in less than 30 days
5
Emily M.
Completed transaction in August 2025
Karla and the Embrace Team were wonderful during our home search and home buying process. Karla was avaliable to talk and answer my questions late into the evening and even on the weekends. She went out of her way to make sure we felt comfortable throughout the entire process and explained everything thoroughly. Working with Embrace meant that things moved fast, and they were ready to go before our settlement date even came! I would highly recommend their services to anyone thinking about buying a home in the future.
5
Jeff B.
Completed transaction in August 2025
A defining characteristic of Karla Melgar’s service was her unwavering dedication to the needs and goals of both the agent and the buyer. She took the time to understand their unique priorities and concerns, never adopting a one-size-fits-all approach. Instead, Karla tailored her efforts to ensure that every individual felt valued and understood. Her willingness to go above and beyond were evident in her ability to accommodate busy schedules, adjust to changing timelines, and provide support outside of regular business hours when necessary. Karla’s commitment to client satisfaction extended far beyond transactional obligations.
5
Violet J.
Completed transaction in July 2025
Karla Melgar provided exceptional service as my loan officer. Her experience and dedication was evident from our first meeting. Karla's first priority is the customer. The loan process is not easy to navigate!! She patiently helped me stay on track with the application and responded readily to any questions. Throughout the process I knew her aim was to provide me with the best possible outcome. She earns her 5 Stars!
5
Brian S.
Completed transaction in July 2025
Karla was great—prompt to respond, even on evenings and weekends. She gave excellent advice, helped us anticipate potential issues, and her strong connections in the industry made everything go smoothly.
Explore your options and take advantage of your mortgage opportunities
APPLY NOW
107 Centennial St., Suite 100C
MD -320646 USLa Plata, MD 20646
You can get pre-approved online, over the phone, or in person at our La-Plata branch. We'll review your income, credit, and goals to provide a personalized letter to help strengthen your offer.
It depends on your budget, credit, and goals, but our local loan officers in La-Plata will walk you through the best options, from conventional loans to government-backed programs.
Yes! Our La-Plata branch is located at 107 Centennial St., Suite 100C, La Plata, MD 20646, and we serve homebuyers in the surrounding area. Stop by or schedule a meeting with a loan officer today.
Yes. Our team in La-Plata can help you explore low or no down payment options, including FHA, VA, and local assistance programs you may qualify for.
Embrace Home Loans is a trusted mortgage lender in La-Plata, MD. Our local team offers personalized guidance and a wide range of loan options to help you buy with confidence.
4.93 (477 Reviews)
