Patrick Holland

Patrick Holland

Area Manager/Senior Vice President   NMLS# 179158

orange star4.99 (2194 Reviews)

5 stars

Patrick Holland is a trusted mortgage professional in Fairfax, VA 22030

About Patrick

“I only know how to work one way, and that is do the job right and don’t cut corners. There is no substitute for hard work and dedication.”

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Embrace Home Loans Chairmans Club Award 2024-2020

2024-2020

Embrace Home Loans Founders Club Award Inducted 2020

Inducted 2020

Embrace Home Loans Hall of Fame Award Member

Member

Embrace Home Loans Presidents club Award 2025 - 2009

2025 - 2009

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See what other homeowners have to say about me
  • 5.0 (5.0 stars)

    Everything went as scheduled

  • 5.0 (5.0 stars)

    I had an absolutely wonderful experience working with Embrace Home Loans throughout my mortgage process. They were phenomenal from beginning to end. What impressed me most was their communication and attention to detail. They kept me informed every step of the way, answered my questions quickly, and made sure I always knew what was happening and what came next. Buying a home can be stressful, but they made the mortgage side of the process feel organized, smooth, and remarkably easy. Patrick, Gaby and Angel were professional, knowledgeable, responsive, and genuinely wonderful to work with. I always felt like I was in very capable hands. I cannot recommend this team highly enough. If you are looking for a mortgage team that will communicate with you, stay on top of every detail, and help get you successfully to the closing table, this is the team you want. Five stars all the way!

  • 5.0 (5.0 stars)

    I had an absolutely wonderful experience working with Patrick, Gaby, and Angel throughout my mortgage process. They were phenomenal from beginning to end. What impressed me most was their communication and attention to detail. They kept me informed every step of the way, answered my questions quickly, and made sure I always knew what was happening and what came next. Buying a home can be stressful, but they made the mortgage side of the process feel organized, smooth, and remarkably easy. Patrick, Gaby, and Angel were professional, knowledgeable, responsive, and genuinely wonderful to work with. I always felt like I was in very capable hands. I cannot recommend this team highly enough. If you are looking for a mortgage team that will communicate with you, stay on top of every detail, and help get you successfully to the closing table, this is the team you want. Five stars all the way!

  • 5.0 (5.0 stars)

    Pat was extremely helpful bringing us, a pair of first time home buyers, up to speed on what we were getting into. He helped us to understand what we'd be paying for and we were able to better understand our commitments with his help . Additionally, Embrace offers a variety of programs to help in the home buying journey . In our cawe we could not use them given our luck with the search .

  • 5.0 (5.0 stars)

    Pat and the Embrace team are phenomenal. They provide a variety of special programs for home buyers. The team moves super fast. Pat is ALWAYS available! We appreciated the help from Embrace and always felt valued. Pat is the best. He helped us figure out the best approach for financing our home and we would highly recommend working with home and the Embrace team.

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Patrick Holland

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Frequently asked questions

Yes. Patrick Holland 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 Patrick Holland at our Fairfax 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 Fairfax 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, Patrick Holland is here to help you reach your goals.

Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Patrick Holland 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. Patrick Holland will walk you through your options and help you find the right fit.

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