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



5.0 Survey completed on January 26, 2019

Review By James P. for Larry Montecino

Completed transaction in January 2019

Larry was a tremendous help from start to finish.


5.0 Survey completed on January 04, 2019

Review By Ronda C. for Larry Montecino

Completed transaction in December 2018

When ever I had questions he would answer he stuck with us though it all and keep check on us


5.0 Survey completed on December 11, 2018

Review By Ashly G. for Larry Montecino

Completed transaction in November 2018

As first-time homebuyers, my fiancé and I had a ton of questions. Larry was always available and eager to help explain anything we needed answers for. He genuinely had our best interests at heart throughout the entire process. I couldn’t imagine having gone through this without someone so dedicated and helpful!


5.0 Survey completed on December 07, 2018

Review By Jeremiah W. for Larry Montecino

Completed transaction in November 2018

This was my first time buying a home and Larry went above and beyond what I had expected. It couldn’t have been any better I highly recommend if you are buying a home to get in contact with Larry


5.0 Survey completed on November 02, 2018

Review By Jesse B. for Larry Montecino

Completed transaction in October 2018

Amazing man to work with, always there for anything you need. Thanks for everything!!!

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