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Ricardo Guido

Maryland - Rockville
20850

800 King Farm Boulevard

Rockville, MD 20850

301-921-0070

About Ricardo

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, retirement home, vacation home or investment property. He will be functioning as a liaison and advocate for his clients throughout the loan process and closing processing. Ricardo always pays attention to detail to assure a smooth experience.

Prior to joining Embrace, Ricardo worked for Patriot Mortgage Corporation. He was born and raised in Silver Spring, Maryland and currently lives here with his wife and two children.  He loves football and being involved with his children and the sports they love to do like, baseball, softball, and soccer.

As a Loan Officer for Embrace, Ricardo will always maintain constant contact with all involved to ensure on time closings. He thrives to help create the best scenario for his client in order to meet their specific objectives. He educates current home owners on the refinancing process and new home owners on the pre-qualification stage to the closing, ensuring they understand the entire process. With Ricardo’s commitment, communication, and experience, buying or refinancing will be a stress free and smooth ride.

98% Customer Satisfaction Rating
Zillow 5 star rating
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender

Reviews(3000)

  • 5

    5 Survey completed on July 27, 2021

    Review By Doris S. for Paul Goulet

    Completed transaction in July 2021

    Paul always responded promptly. At closing the title company officer said they were very happy with the correspondence from Embrace. They said they typically hate to work with out of town lenders.

  • 4

    4 Survey completed on July 27, 2021

    Review By Lauren K. for Brian Brisebois

    Completed transaction in July 2021

    Really quick responses were very important to us. We appreciated that you were able to respond right away or whenever we had a question.

  • 4

    4 Survey completed on July 27, 2021

    Review By Vincent T. for Wyatt Reynolds

    Completed transaction in July 2021

    I would have given the rating of very good if it had been available--that was my overall experience, not just 'ok' but not 'excellent' either! I fully understand the need to make sure that an individual is qualified for a mortgage loan and has a very high likelihood of repaying the loan. However there was far too much back and fort for documentation I could have provided right from the start had they asked more comprehensively for exactly what was needed. Additionally we kept being notified loan had 'final approval' and then would get the request for 5 more items (most of which could have been provided from the start had they been requested with the detail that was required). Again I understand the need for completed documentation, and that the approval process focuses on 'cash flow' and that this is an iterative process; however the constant back and forth made it less that excellent. I want to comment wyatt--he was great on setting this up moving us along and following up. Also kudos to Monica Gaspar who very patiently and nicely kept managing the flow between the loan underwriters and us. additionally closing was very easy and we had all the documentation in advance so it went smoothly. Lastly, we really liked the website and simplicity of uploading documents and receiving documents; however once we got the initial documentation into the system, the status was not updated until the loan was fully approved and closed. All in all the individuals with whom we worked were excellent, the website is excellent but could have been updated a bit more re: status, and the document request was managed well by Monica however the constant back and forth on items that could have been requested in the level of detail needed kept the entire experience from being excellent.

  • 5

    5 Survey completed on July 27, 2021

    Review By Sean C. for Sam Atapour

    Completed transaction in July 2021

    This is my 4th time working with Sam, and it is the same fantastic service each time. Transparent, clear, friendly, and timely communication along the way. He helped navigate through multiple loan options to find the right one for us.

  • 5

    5 Survey completed on July 26, 2021

    Review By Silvino F. for Anthony Rodrigues

    Completed transaction in July 2021

    Well, First of all, Anthony and his team put people/family first and all the effort to make your dream true. They are always there for you and whenever you call or reach out to them they always answer... So, so helpful. They care about families and help you out through the process so easier. They have the ability to understand people needs and always there to help and have a great advices. Again is a trustworthy team and amazing people to serve you and your family. Thanks again Anthony and team. You guys are just amazing.

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