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...
2024, 2023
5 (5 stars)
David L. from Melville, NY
Completed transaction in January 2026
Cara is so thoughtful and detail oriented. Before working with her I was very stressed and it felt like pulling teeth to get clarity and information. She made sure I understood every scenario, change, request, etc to ensure I was making the best decisions for me and my family. I would not have been able to get through this purchase without her help.
5 (5 stars)
Jeanne G. from Sound Beach, NY
Completed transaction in January 2026
Cara and her team helped me through every step of this home purchase, they were always quick to answer my questions and explain everything along the way. It was a complicated purchase, and they had my back every step of the way.
5 (5 stars)
Emily H. from Bondville, VT
Completed transaction in January 2026
Cara was lovely to work with. She was able to promptly answer any questions we had throuhgout the process and was very easy to reach. We would love the opportunity to work with Cara again in the future.
5 (5 stars)
Kathryn C. from Long Beach, NY
Completed transaction in January 2026
Cara went above and beyond to make the whole process smooth. We were working with another lender that was a disaster and then our lawyer recommended Cara and we were so glad. Cara walked us thru everything, has a great team of people with her, and was genuinely invested in our loan process. She worked seamlessly with our lawyer, realtor, and even connected us to an insurance guy, making buying a house from another state so easy. I can't thank her enough and will recommend her to everyone.
5 (5 stars)
Mark V. from New Hyde Park, NY
Completed transaction in December 2025
Cara is the best! She is so professional and communicative. We trust her 1000%!
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425 Broadhollow Road, Suite 400,
NY 11747 USMelville, NY 11747
Yes. 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 (169 Reviews)
