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 happily joins the team at Embrace as a loan officer dedicated to ensuring that the mortgage process goes as smoothly and easily as possible for all her homebuyers. She previously worked at PNC Bank and is excited to make the change to Embrace. She’ll now have the opportunity to help p...
2024, 2023
5
James B.
Completed transaction in November 2025
Cara was a pleasure to work with. Always returning call promptly.
5
Matthew W.
Completed transaction in November 2025
Cara was absolutely incredible to work with. She was attentive, informative, and genuinely cared about making the process as smooth as possible. From start to finish, she kept us updated, answered every question thoroughly, and went above and beyond to ensure everything stayed on track. Her professionalism and warmth made a stressful process feel easy. We couldn’t have asked for a better loan officer — thank you, Cara, for helping us make this dream home a reality!
5
Shannon M.
Completed transaction in October 2025
knowlageable and very responsive. Always available when we needed.
5
Damian R.
Completed transaction in November 2025
Cara was amazing as always
5
Pauline M.
Completed transaction in October 2025
Working with Cara has been an absolute pleasure! She's truly one of the best mortgage lenders out there! As a real estate agent, I’ve trusted Cara with many of my clients, and every single experience has been seamless. She’s knowledgeable, responsive, and genuinely cares about helping people find the best financing options. Her professionalism and attention to detail make the entire process smooth from start to finish. I couldn’t recommend her more highly to anyone buying a home or looking to refinance!
Explore your options and take advantage of your mortgage opportunities
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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 (156 Reviews)
