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https://www.embracehomeloans.com/location/new-york/melville/ricky-jarvis
Business Hours: 9:00 am - 5:00 pm Mon-Fri
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...
2025-2022
5.0 (5.0 stars)
Malak S. from Glendale, NY
Completed transaction in September 25, 2026
Outstanding work
5.0 (5.0 stars)
Ali A. from Staten Island, NY
Completed transaction in September 22, 2026
What stood out most was that Ricky personally stepped in when I needed help, especially with the rate lock extension, and worked to get it resolved without adding extra cost to me. He was responsive, proactive, and genuinely made me feel like he was looking out for my best interest throughout the process.
5.0 (5.0 stars)
Ryan Z. from Massapequa, NY
Completed transaction in September 21, 2026
Ricky and his team were extremely helpful throughout the entire process. He always made himself available whenever we had questions and took the time to clearly explain each step of the mortgage process to us as first-time homebuyers. He was responsive, knowledgeable, and made what could have been a stressful process feel much easier and more manageable. We always felt like we knew what was going on and what to expect next, and Ricky and his team made sure everything stayed on track as we approached closing. We really appreciated all of their help in getting us into our first home and would highly recommend Ricky to anyone looking for a mortgage broker, especially first-time homebuyers!
5.0 (5.0 stars)
Mohammad S. from Floral Park, NY
Completed transaction in September 18, 2026
Excellent work
5.0 (5.0 stars)
Ferdous C. from Floral Park, NY
Completed transaction in September 12, 2026
Very cooperative & Exceilent
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Explore your options and take advantage of your mortgage opportunities
APPLY NOWYes. Ricky Jarvis 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 Jarvis 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 Jarvis is here to help you reach your goals.
Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Ricky Jarvis 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 Jarvis will walk you through your options and help you find the right fit.
4.97 (238 Reviews)
