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
Better Business Bureau logo
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender



5.0 Survey completed on September 09, 2019

Review By Alan P. for Larry Montecino

Completed transaction in September 2019

The overall experience was more than I expected in customer service. The communication was great from start to finish. I was expecting a NO and I got a YES and that was even better so I must say when others tell you no the place to go is EMRACE HOMES. I had been turned down several times in the past and I am still pinichinhg myself in disbelief that I am a HOMEOWNER. Thanks so much Larry and Cristi.


5.0 Survey completed on September 08, 2019

Review By Jospeh K. for Larry Montecino

Completed transaction in August 2019

Everything was smooth and easy Larry is amazing was always available when I had any questions the experienced of my wife and I buying our first home was a good one


5.0 Survey completed on August 22, 2019

Review By Jennifer E. for Larry Montecino

Completed transaction in August 2019

Very smooth and easy process!


5.0 Survey completed on August 06, 2019

Review By Joy T. for Larry Montecino

Completed transaction in July 2019

Very patient and helpful whenever I had a question. Will highly recommend to anyone in the process of looking for a home!


5.0 Survey completed on July 27, 2019

Review By Thomas G. for Larry Montecino

Completed transaction in July 2019

Very informative, willingness to help was great, no blurry details, very straight forward and honest

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