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 percent Customer Satisfaction Rating thumbs up
Zillow 5 star rating
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender
Getting started on your Home Purchase
Getting Started on Your Home Purchase

Buying a home can be a challenging experience, but you have help. Your real estate agent is there to help with the home search and your mortgage lender is there to get you through the mortgage process. Utilize these people and their knowledge to help you navigate through all the steps. Here, we’ll talk specifically…

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Larry Montecino

Senior Loan Officer

NMLS # 423572

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103A Paulette Circle

Lynchburg VA 24502

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  • 5

    5 Survey completed on February 06, 2023

    Review By Sherry A. for Larry Montecino

    Completed transaction in February 2023

    I never had to contact Larry, as everything was already taken care of

  • 5

    5 Survey completed on January 30, 2023

    Review By Alainey D. for Larry Montecino

    Completed transaction in January 2023

    Larry was so helpful throughout my mortgage loan process and was able to get my loan closed on time even though it was rushed.

  • 5

    5 Survey completed on January 18, 2023

    Review By Andrew S. for Larry Montecino

    Completed transaction in January 2023

    Larry was on top of everything and let me know multiple options that I had and checked everything multiples times to make sure it was right.

  • 5

    5 Survey completed on September 15, 2022

    Review By Ryan B. for Larry Montecino

    Completed transaction in September 2022

    Fast on communication.

  • 4

    4 Survey completed on August 17, 2022

    Review By Kristen O. for Larry Montecino

    Completed transaction in August 2022

    Responsive, friendly, helpful!