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Patrick Holland

Virginia - Fairfax

10306 Eaton Place, Suite 100

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.”

Local mortgage lender Patrick Holland is a nationally recognized Mortgage Originator and top producer for Embrace Home Loans. Licensed in Virginia, Maryland, and DC, his passion is to help people live the life of their dreams. He does that through helping homebuyers with their financing or existing mortgage holders with refinancing their loans. “When a client commits to us, it is a sign of trust that my team takes seriously. We help our client make the right financing decision based on their long-term goals and we will deliver the finished product on time. Our goal is always to exceed the client’s expectations.”

This foundation based on trust and loyalty has been instilled with Patrick throughout his life. The son of a naval officer and elementary school teacher, the he learned the importance of honesty, integrity, and treating others with respect.

These core beliefs are reflected throughout his life and in his work. Patrick has received many awards and recognition, including one of the “Top 250 Originators” in the country as noted in both Mortgage Originators Guide and the Scotsman Guide. He has been the top producing loan officer at Embrace and was featured on the cover of Top Agent Magazine in August, 2015.

It’s the day-to-day challenges Patrick loves in his work. “Many times, there is not just one solution. Every transaction is different. It’s exciting to learn new things and be part of an ever-evolving industry.”

Being flexible and able to keep up with the competitive market is essential for Patrick and his team. Their office utilizes easy electronic signature documents, secure document transfer, and individual websites for security, resulting in loans taking only weeks to process and close, rather than months.

But just because the technology changes and processes change, doesn’t mean his core values do.

“Patrick is what every real estate professional lender should be like. Every step of the way we felt like he was personally there for us, including recommending when to (and not to) refinance. We have total trust and confidence in him,” said Tom and Rhonda, who add they would recommend him without hesitation. His clients are for life.

Honesty, a hard work ethic, and his people-oriented personality have driven Patrick to the top. He also understands his clients helped build him, and he takes that responsibility seriously. Closing on a home is one of the most exciting and stressful things a person will ever do in their life. It’s a tremendous privilege for Patrick and his team to share that moment in a person’s life.

At the end of the day, every day, it’s all about helping people achieve their dreams.

Embrace Home Loans Hall of Fame MemberMember                    Embrace Home Loans Presidents Club 2020 - 2009  

Embrace Home Loans Founders Club Inducted 2020           Chairmans Club Award2020

98% Customer Satisfaction Rating
Zillow 5 star rating
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender


  • 5

    5 Survey completed on October 15, 2021

    Review By Audrey B. for Patrick Holland

    Completed transaction in October 2021

    Pat went above and beyond helping us through our first-time home buying process. He answered all of our questions (and we had many!) with detailed responses and took the extra time to make sure we understood everything. He is very professional and personable. We enjoyed working with him and will do so again in the future, as well as recommend him to friends and family!

  • 5

    5 Survey completed on October 14, 2021

    Review By Brian O. for Patrick Holland

    Completed transaction in October 2021

    Pat's ability to meet me where my limited knowledge was and fill in the gaps in a timely and professional manner made it a GREAT experience.

  • 5

    5 Survey completed on October 10, 2021

    Review By Michelle Q. for Patrick Holland

    Completed transaction in October 2021

    Knowledge, accessibility, patience, and ability to reach completion in a short period of time.

  • 5

    5 Survey completed on October 09, 2021

    Review By Juan P. for Patrick Holland

    Completed transaction in October 2021

    Awesome to deal with. Very attentive and helpful anytime you need him. Quick responses and great overall. 1000% recommended.

  • 5

    5 Survey completed on October 08, 2021

    Review By William C. for Patrick Holland

    Completed transaction in October 2021

    Pat makes you feel like you are his only focus with every communication. He is efficient and he makes sure you know exactly what he requires to get you financed and to closing on time. I am a repeat customer with Pat as my loan officer for two purchases and three refi's.

Loan in progress?
Mortgage Rates Hit Their Highest Point in Months

Mortgage rates hit their highest point since April this week, according to Freddie Mac. The average rate on 30-year, fixed-rate loans clocked in at 3.05% — up from 2.99% last week.  “As inflationary pressure builds due to the ongoing pandemic and tightening monetary policy, we expect rates to continue a modest upswing,” said Sam Khater,…

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