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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 (5 stars)
Andre T. from Waldorf, MD
Completed transaction in July 24, 2026
Availabelity, prompt to assis, good communication and advic. Very nice people. It was a pleasure to work with yo.
5 (5 stars)
Kenny Burton .
Completed transaction in July 20, 2026
Home buying with Ricardo was an incredibly quick and efficient experience. I'd highly recommend he and his team for your next home buying journey.
5 (5 stars)
Oscar B. from Laurel, MD
Completed transaction in July 20, 2026
The process of buying a home can long and overwhelming at times, but Ricardo and his team made this home buying adventure a incredibly wonderful experience. With Ricardo, everything was clear, direct, and well organized. If I had questions, he'd answer them, or get an answer right away. He knew exactly what supporting documents were needed and guided me through each step. Their systems allow for seemless transmission of necessary documents and kept one updated in the process, which made our transactions efficient, painless, and trustworthy. Because of his expertise and support, all I needed to do was focus on finding the right house to call home. I truly appreciate his help and would highly recommend Ricardo Guido to assist everyone in their home search journey.
4 (4 stars)
Akinwale B. from Bowie, MD
Completed transaction in July 09, 2026
Professionalism
5 (5 stars)
Jack Veneno .
Completed transaction in July 08, 2026
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I'll reach out personally when the numbers make sense for your situation.
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 (361 Reviews)
