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Senior Loan Officer
NMLS # 186602
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Click to email
443.994.9168
443.321.4500
ext. 3616
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Maryland - La Plata
20646
107 Centennial St., Suite 100C
La Plata, MD 20646
443-321-4500
About Karla
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 borrowers. We even have programs for people with credit scores as low as 580. When you work with us, you’ll discover why getting a mortgage is so much better when you Embrace it.
Borrowers also benefit from Embrace’s wide range of products designed to meet many unique needs. Our Extended Rate Lock program has terms available for 180, 270, and 360 days; a one-time float-down option is available within 30 days of closing. For self-employed borrowers or other clients whose income is best represented by bank statements or 1099s, Beyond by Embrace can offer the flexibility that other lenders can’t. In this tight housing market, Embrace is also concerned with making sure that buying a home is affordable, since it can often be unrealistic for many. Our Affordable Housing Loans can fit your budget and help finally transform your homeownership dreams into reality.
You can build on our experience! Click here to learn more about licensed Business Development Associate Tyler Martinez who is by Karla’s side every day. Our team has talent, tech-savvy, and tenure – what more could you ask for?
2022,2021,2019,2018
2021,2020
Buying a home can be a challenging experience, but you have help. Your real estate agent is there to help with the home search and your mortgage lender is there to get you through the mortgage process. Utilize these people and their knowledge to help you navigate through all the steps. Here, we’ll talk specifically…
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Ready to take the first step toward a new home?
Let's discuss your options.
Call:
443.994.9168107 Centennial St., Suite 100C
La Plata, MD 20646
Testimonials(384)
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5
5 Survey completed on March 02, 2023
Review By Nadia A. for Karla Melgar
Completed transaction in March 2023
Karla did an amazing job communicating with my husband and I. Karla was kind, patient, and very knowledgeable! Also, Karla was very transparent about everything and that made my husband and I very comfortable working with Karla. I would highly recommend Karla!
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5
5 Survey completed on February 24, 2023
Review By Thomas M. for Karla Melgar
Completed transaction in February 2023
Honest, easy, and straightforward process. Completely smooth.
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5
5 Survey completed on February 07, 2023
Review By Ashayla W. for Karla Melgar
Completed transaction in January 2023
Karla was a wonderful, knowledgeable, and professional lender. She made this process easier by being so honest and having our best interest at heart. We appreciate her so much!
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5
5 Survey completed on January 31, 2023
Review By Rodney B. for Karla Melgar
Completed transaction in January 2023
The support, communication and the commitment to helping us achieve this goal of purchasing our home.
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5
5 Survey completed on January 31, 2023
Review By Shara P. for Karla Melgar
Completed transaction in January 2023
Karla was amazing the entire process. Throughout the months of my new build we were in constant communication. I honestly didn’t feel as though I was working with a lender but instead a close family friend. I am definitely recommending Karla and her team to everyone!!!
