https://www.embracehomeloans.com/media/nhygrkmk/ccunha_bio72.jpeg
https://www.embracehomeloans.com/location/new-york/melville/cara-cunha
Sales Manager NMLS# 1110518
Cara Cunha is a trusted mortgage professional in Melville, NY 11747
Cara Cunha, a Producing Sales Manager at Embrace Home Loans, is passionate about helping buyers navigate the mortgage process with confidence, clarity, and care. A lifelong Long Islander, Cara brings a strong work ethic, deep local knowledge, and a genuine commitment to her clients with every tr...
2025-2023
5 (5 stars)
Kirsten G. from Miller Place, NY
Completed transaction in June 01, 2026
Cara was incredible every step of the way throughout our entire loan process. From the very beginning, she made everything feel clear, organized, and completely manageable, even when things got complicated behind the scenes. She was always quick to respond, patient with our questions, and took the time to explain each step so we never felt lost or rushed. What really stood out was how much she genuinely advocated for us. She stayed on top of every detail, communicated proactively, and made sure nothing slipped through the cracks. We always felt like we were in capable hands, and that she was truly working to get us the best possible outcome. We can’t recommend Cara highly enough!
5 (5 stars)
Kevin G. from Miller Place, NY
Completed transaction in June 01, 2026
Cara was there for us as ever single step to walk us through and personalize our Loan. She went above and beyond to offer solutions that met our exact needs. Im so thankful for all her patience and help!
5 (5 stars)
Jennie T. from New York, NY
Completed transaction in May 15, 2026
Cara is the ABSOLUTE best. Was with us every step of the way. Honestly wouldn't want to do a loan without her :)
5 (5 stars)
Andrew B. from Long Beach, NY
Completed transaction in May 09, 2026
Cara is the absolute best! She treated me like family. She is incredibly responsive and I had the upmost faith in her advice.
5 (5 stars)
Barry C. from Morris Plains, NJ
Completed transaction in May 08, 2026
Very supportive and responsive throughout the entire process!
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Explore your options and take advantage of your mortgage opportunities
APPLY NOWYes. Cara Cunha 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 Cara Cunha 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, Cara Cunha is here to help you reach your goals.
Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Cara Cunha 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. Cara Cunha will walk you through your options and help you find the right fit.
4.96 (184 Reviews)
