Larry Montecino

Virginia - Lynchburg


103A Paulette Circle

Lynchburg VA 24502


About Larry

Embrace Home Loans is proud to have Senior Loan Officer, Larry Montecino, on our team; working from our Lynchburg, VA location. Larry joined Embrace March 5th, 2013 after leaving his previous employer Bank of the James in Forest, VA. This is where he began to build his knowledge base while originating loans in three counties; Bedford, Campbell and Pittsylvania. In 2012 he was promoted to bank officer, attending several corporate meetings with investors and the board of directors. Larry’s career in mortgage loans started in 1990 in California while working with Wells Fargo Bank. Larry studied business economics at Bakersfield College and Fresno State in California. He focuses whole heartedly on his customers while originating the perfect residential loan that fits their needs and lifestyle. He is not selective in terms of the kinds of loans he deals with and focuses his energy on various clients from the first time home buyers to the million dollar client. Larry prides himself in being able to provide exceptional customer service which to him means treating every customer with respect, having an open line of communication, and meeting his customer’s needs in an expedient manner. He is extraordinarily talented in mortgage loans and will do everything he can to make your home buying venture a success!

Larry currently lives in Goode Virginia but was born and raised in Texas. He moved to California to study business and finally in 2005 settled down in the lovely state of Virginia with his wife Cheryl. Over the years they continued to still travel to California to visit their 6 children & grandchildren. When Larry isn’t busy taking extra great care of his clients he enjoys a beautiful day outdoors playing the great game of golf. He takes a special interest in football and baseball and is proud to say he is a San Francisco 49ers and San Francisco Giants fan.

98% Customer Satisfaction Rating
Zillow Icon
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender



5.0 Survey completed on July 07, 2020

Review By Anouri L. for Larry Montecino

Completed transaction in June 2020

Larry and the people at embrace were wonderful to work with. His experience and expertise are top notch. He made our home buying experience a pleasant one and couldn’t have been happier.


4.0 Survey completed on July 05, 2020

Review By Christopher B. for Larry Montecino

Completed transaction in June 2020

Larry is very knowledgeable and answered all our questions in a timely manner. This is our second time using Larry for mortgages.


5.0 Survey completed on June 22, 2020

Review By Ernest C. for Larry Montecino

Completed transaction in June 2020

We were introduced to Mr. Larry about five months ago (6/15/20). It was a struggle with different sellers, but an outstanding trait was his patience. We called him many times especially as we talked about eligibility because we have veteran's privilege, and rates, he explained honestly what to do and he was very knowledgeable. We could definitely count on him to respond promptly to our calls and messages. It was truly a memorable experience with tears of joy, as he was faithful to the end.


5.0 Survey completed on June 16, 2020

Review By Kourtney T. for Larry Montecino

Completed transaction in June 2020

Larry was great through the whole process. He made it easy by explaining the loan process, since I was a first time buyer. I had alot of questions and always responded within a couple hours. I would definitely recommend him again.


5.0 Survey completed on June 15, 2020

Review By Cody P. for Larry Montecino

Completed transaction in June 2020

Being a first-time homeowner I didn't know anything about it and Larry was very informative and helpful any questions. He was always punctual about responding with emails it just made the process a lot less stressful.

8 Gift Ideas for Welcoming a New Family to the Neighborhood
8 Gift Ideas for Welcoming a New Family to the Neighborhood

Welcoming a new family to the neighborhood is always a nice thing to do and, when you’re ready to say hello, it’s a good idea to arrive with a small gift. Here are eight gift ideas that you can use to make your new neighbors feel right at home. Read them over to get a…

Read More