Patrick Holland

Patrick Holland

Area Manager/Senior Vice President   NMLS# 179158

orange star4.99 (2114 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)

    I had an excellent experience working with Pat Holland at Embrace Loans. From the very beginning, Pat stood out for his honesty and straightforward approach. He never made me feel pressured or rushed into decisions, which made the entire process much more comfortable and stress-free. What I appreciated most was how clearly he explained everything. As someone who isn’t deeply familiar with the lending process—especially VA loans—it was incredibly helpful to have someone who could break things down in a way that was easy to understand. Pat took the time to answer all of my questions thoroughly and made sure I felt confident every step of the way. His knowledge of VA loans and the overall process was obvious, and that expertise really showed in how smoothly everything moved forward. I always felt like I was in good hands. If you’re looking for a lender who is knowledgeable, transparent, and genuinely focused on helping you make the best decisions—not just closing a deal—I would highly recommend Pat Holland and Embrace Loans.

  • 5 (5 stars)

    Pat Holland with Embrace Home Loans was exceptional in every way. We have purchased homes in the past, but this was by far the most stress-free mortgage experience we have ever had. Pat was extremely organized, communicated proactively, and was always just a quick call away whenever I had a question. He explained everything clearly, kept us updated throughout the process, and made each step feel smooth and manageable. What stood out most was his communication. Pat consistently went above and beyond to make sure we knew exactly where we were in the loan process and what to expect next. We felt genuinely well taken care of from start to finish. Pat and his team were A+. I would highly recommend him to anyone looking for a knowledgeable, responsive, and trustworthy mortgage professional.

  • 5 (5 stars)

    I had an excellent experience working with Pat Holland at Embrace Loans. From the very beginning, Pat stood out for his honesty and straightforward approach. He never made me feel pressured or rushed into decisions, which made the entire process much more comfortable and stress-free.What I appreciated most was how clearly he explained everything. As someone who isn’t deeply familiar with the lending process—especially VA loans—it was incredibly helpful to have someone who could break things down in a way that was easy to understand. Pat took the time to answer all of my questions thoroughly and made sure I felt confident every step of the way.His knowledge of VA loans and the overall process was obvious, and that expertise really showed in how smoothly everything moved forward. I always felt like I was in good hands.If you’re looking for a lender who is knowledgeable, transparent, and genuinely focused on helping you make the best decisions—not just closing a deal—I would highly recommend Pat Holland and Embrace Loans.

  • 5 (5 stars)

    Pat Holland with Embrace Home Loans was exceptional in every way. We have purchased homes in the past, but this was by far the most stress-free mortgage experience we have ever had.Pat was extremely organized, communicated proactively, and was always just a quick call away whenever I had a question. He explained everything clearly, kept us updated throughout the process, and made each step feel smooth and manageable.What stood out most was his communication. Pat consistently went above and beyond to make sure we knew exactly where we were in the loan process and what to expect next. We felt genuinely well taken care of from start to finish.Pat and his team were A+. I would highly recommend him to anyone looking for a knowledgeable, responsive, and trustworthy mortgage professional.

  • 4 (4 stars)

    Communication was great and I appreciated the explanation of things that were unclear or unknown to me and Eric. Also really appreicated Pat walking us through what to do when that one particular situation came up. Thanks 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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