Patrick Holland

Patrick Holland

Area Manager/Senior Vice President   NMLS# 179158

orange star4.99 (2065 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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Chairmans Club Award

2024-2020

Embrace Home Loans Founders Club

Inducted 2020

Hall of Fame Logo

Member

Embrace Home Loans Presidents club

2023 - 2009

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See what other homeowners have to say about me
  • 5 (5 stars)

    From start to finish, Pat was knowledgeable, responsive, and genuinely invested in making sure everything went smoothly for our family. He took the time to explain every step of the process clearly and was always available to answer questions, which gave us tremendous peace of mind. What truly set Pat apart was how he went the extra mile for us during some very uncertain moments. When we had to go through a voided contract and later faced challenges during the government shutdown furlough period, he didn’t just handle the numbers — he genuinely cared about our well-being. He stayed proactive, checked in regularly, helped us understand our options clearly, and reassured us every step of the way. During a stressful time, his steady guidance and personal support meant more to us than we can express. What really stood out was his professionalism and attention to detail. He stayed ahead of deadlines, kept communication flowing, and made what can often be a stressful process feel organized and manageable. Beyond the transaction itself, we truly value the relationship we’ve built over the years. It’s rare to find someone who combines expertise with such a personal touch. We would highly recommend him to anyone looking for a trusted, dependable mortgage professional. Thank you again for helping us successfully close on our home!

  • 5 (5 stars)

    This was my third time working with Pat, and as always, the experience was excellent. Pat and his team are consistently professional, responsive, and trustworthy. After my home purchase last year, Pat kept an eye on rates and reached out in late 2025 as soon as it made sense to do an IRRL refinance. The process was painless, well-organized, and we closed on time without any issues. I was also pleasantly surprised at closing when the cash to close was lower than expected. Pat and his team are an absolute pleasure to work with. I always felt like was in my corner and had my best interests at heart.

  • 5 (5 stars)

    Pat made everything easy and smooth, and he was always reliable and responsive whenever we needed him. I wouldn’t look for any other loan officer than Pat.

  • 5 (5 stars)

    Pat is incredibly responsive and thorough. He clearly explained the components to the mortgage process and will work day and night to get you the best deal he can. We would recommend his services to anyone looking for a loan.

  • 5 (5 stars)

    Pat has been our loan officer for almost 20 years through multiple refinancing and purchases. Although he always remains totally professional on the business side of things, it’s like working with a good friend. He’s extremely proficient with the technical aspects of the loan and also offers sound advice and recommendations. We trust him implicitly. He’s personable, easy to understand, and always ensures we are clear on the terms, the process, and the next steps. He was also very proactive with communications and responding to our questions or requests. We also understand that this was a team effort with his highly competent staff ensuring the entire process went smoothly from start to finish. We can’t imagine working with a better loan officer.

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Fairfax, VA Mortgage Loan Officers

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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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