Patrick Holland

Patrick Holland

Area Manager/Senior Vice President   NMLS# 179158

orange star4.99 (2151 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

2025 - 2009

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

    Patrick assisted us every step of the way. He took the time to walk through every variable that would affect our home loan as well as providing us with ways to increase credit score and bring down the interest rate etc. His dedication and understanding all the small details made partnering with him amazing as a first time homeowner. I would definitely recommend Pat to anyone looking for someone that cares about his clients while providing above and beyond service.

  • 5 (5 stars)

    Pat has been great to work with throughout our entire home-buying process. He was very communicative, attentive, and answered all our questions (which were a lot) in a quick, informative, and respectful manner. Pat and his team are super knowledgeable and helped us get through the entire lender and closing process without issues as first time homebuyers. We are super happy and satisfied that we trusted Pat and the Embrace Home Loans team with our first ever home-buying experience and will definitely keep using them in the future!

  • 5 (5 stars)

    Pat has been great to work with throughout our entire homebuying process. He was very communicative, attentive, and answered all our questions (which were a lot) in a quick, informative, and respectful manner. Pat and his team are super knowledgeable and helped us get through the entire lender and closing process without issues as first time homebuyers. We are super happy and satisfied that we trusted Pat and the Embrace Home Loans team with our first ever home buying experience and will definitely keep using them in the future!

  • 5 (5 stars)

    Incredibly helpful and quick communication with myself, clients, and the listing agent. The assistance and personalized guidance for first time homebuyers, even months in advance to set them up for success, is exceptional.

  • 5 (5 stars)

    Pat was great and thorough! He also educated us which made the process and our decision making smooth!

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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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