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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
John P.
Completed transaction in November 2025
Ricky and Rosanne took excellent care of us from the very first phone call through close. We never waited long for a response, we were always able to jump on a call if we had additional questions. We felt like we were their priority every step of the way. As first time home buyers, they both took time to explain any and everything to us so that we felt informed and confident about the decisions we were making.
5
Danielle B.
Completed transaction in November 2025
Very responsive and kept to the deadline.
4
Jin Z.
Completed transaction in November 2025
I had a wonderful experience with Ricky and his team. They’re professional, kind, and impressively efficient—thanks to their efforts, I closed on my house in just one month. A great team to work with!
5
Peter G.
Completed transaction in September 2025
Everything went very
5
Kim L.
Completed transaction in September 2025
Working with Rick Jarvis of Embrace Home Loans was an absolute pleasure! From start to finish, he made the entire process smooth, stress-free, and eas!. Rick is extremely knowledgeable, patient, and professional—he took the time to answer all of my questions clearly and guided me every step of the way. He was always available, quick to respond, and made sure I felt comfortable and confident throughout the process. Thanks to Rick’s expertise and dedication, everything went through seamlessly. I would highly recommend Rick to anyone looking for someone who truly goes above and beyond!
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. Ricky 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 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 is here to help you reach your goals.
Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Ricky 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 will walk you through your options and help you find the right fit.
4.96 (195 Reviews)
