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)
Vanessa F. from Mastic Beach, NY
Completed transaction in February 07, 2026
Cara is very reliable, she stays on top of everything from start to finish. You don't need to worry about your clients at all with her in your corner. Highly recommend her!
5 (5 stars)
Neil C. from Mastic Beach, NY
Completed transaction in February 07, 2026
Cara was amazing to work with any questions my husband and I had she answered right away and made the whole process of buying our first home so easy.
5 (5 stars)
Jessica F. from Kings Park, NY
Completed transaction in February 12, 2026
We worked with Cara for two years throughout our home search, and I cannot say enough positive things about our experience. From day one, she was incredibly responsive and always made herself available to answer our questions — no matter how big or small. She has a true gift for breaking down complex mortgage information in a way that is clear, straightforward, and easy to understand. That made such a difference for us during what can be a very overwhelming process. House shopping can be emotional and stressful, and we definitely had our moments of frustration along the way. Through it all, she met us with patience, professionalism, and genuine understanding. I’ll be the first to admit I wasn’t always the easiest client, but she never made us feel rushed or pressured. Instead, she guided us calmly and confidently every step of the way. Her expertise in her field is undeniable. We always felt like we were in capable hands and that she truly had our best interests at heart. If you’re looking for a knowledgeable, responsive, and compassionate mortgage lender, I would recommend her without hesitation. Five out of five stars — she made our homeownership journey possible.
5 (5 stars)
David L. from Melville, NY
Completed transaction in January 29, 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 21, 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.
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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 (173 Reviews)
