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https://www.embracehomeloans.com/location/new-york/melville/ricky-jarvis
Branch Manager NMLS# 1301286
Ricky Jarvis is a trusted mortgage professional in Melville, NY 11747
Richard “Ricky” Jarvis joins the team at Embrace as a Senior Loan Officer from Citizens Bank. This practiced loan officer always answers any questions customers may have to make the home buying process as simple and stress-free as possible. He truly enjoys helping buyers find the rig...
2024-2022
5 (5 stars)
Amato S. from Saugus, MA
Completed transaction in February 28, 2026
Overall, the process was seemless and easy.
5 (5 stars)
Lazeena G. from Yonkers, NY
Completed transaction in February 06, 2026
I had an outstanding experience working with Ricky and his team. From the very beginning, the process was transparent, and incredibly organized. Every step was clearly explained, and I always felt informed and supported. The level of professionalism was unmatched. I felt as if they were holding my throughout the process. Words cant not express my gratitude. Amazing experience with an amazing team!!!!!!!!!!!!!!!!!!!!
5 (5 stars)
Nicholas G. from Commack, NY
Completed transaction in February 06, 2026
Easy transition to refinance and good communication throughout process
5 (5 stars)
Andrea C. from Dalton, MA
Completed transaction in February 07, 2026
Ricky and his team answered every question and made sure I had a quick and smooth closing! My husband and I were very happy with every communication we had with Ricky and his team! They were all great!
5 (5 stars)
Carlos C. from East Meadow, NY
Completed transaction in January 28, 2026
everyone involved in his department were very helpful and experienced. this was such a smooth process with Ricky and his team. Would definitely recommend to everyone I know.
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Explore your options and take advantage of your mortgage opportunities
APPLY NOWYes. Ricky Jarvis 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 Ricky Jarvis at our Melville 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 Melville 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, Ricky Jarvis is here to help you reach your goals.
Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Ricky Jarvis 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. Ricky Jarvis will walk you through your options and help you find the right fit.
4.97 (211 Reviews)
