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https://www.embracehomeloans.com/location/maryland/rockville/ricardo-guido
Senior Loan Officer NMLS# 1249316
Ricardo Guido is a trusted mortgage professional in Rockville, MD 20850
Embrace Home Loans is proud to have Senior Loan Officer, Ricardo Guido as a part of the Embrace family. Ricardo is here to assist clients like you in making the best possible informed decision regarding financing – whether it’s your first home, re...
2024-2022
5.0 (5.0 stars)
Martin Ezemma .
Completed transaction in August 14, 2026
5.0 (5.0 stars)
Martin E. from Silver Spring, MD
Completed transaction in August 14, 2026
The communication was exceptional from beginning to end. The entire process was handled with professionalism, responsiveness, and genuine attention to customer service. I always felt informed, supported, and valued throughout the experience. A special thank you to Toun, Ricardo, Victoria, and the entire Embrace team for going above and beyond to make everything as smooth and seamless as possible. Their dedication, professionalism, and commitment to providing outstanding service truly stood out. I would absolutely recommend Embrace to anyone looking for a team they can trust, and I would not hesitate to work with them again in the future. Five-star service all around! Thank you for an outstanding experience!
5.0 (5.0 stars)
Paul Ivan Makanya (Paul Ivan Makanya) .
Completed transaction in August 10, 2026
Thank you for your professionalism and care.
5.0 (5.0 stars)
Paul M. from Linthicum Heights, MD
Completed transaction in August 10, 2026
Professionalism and care.
5.0 (5.0 stars)
jenny M .
Completed transaction in July 27, 2026
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Explore your options and take advantage of your mortgage opportunities
APPLY NOWYes. Ricardo Guido 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 Ricardo Guido at our Rockville 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 Rockville 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, Ricardo Guido is here to help you reach your goals.
Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Ricardo Guido 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. Ricardo Guido will walk you through your options and help you find the right fit.
4.91 (367 Reviews)
