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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 5 star rating
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender


  • 5

    5 Survey completed on September 08, 2021

    Review By Phillip J. for Larry Montecino

    Completed transaction in September 2021

    Larry did an awesome job walking me through my first home loan ! He made this process laid back and easy for me ! Thx Larry !

  • 4

    4 Survey completed on August 05, 2021

    Review By Devin N. for Larry Montecino

    Completed transaction in July 2021

    Any questions that I had as a first time home buyer we’re answered thoroughly and completely! It really helped reduce the stress involved with the whole process.

  • 5

    5 Survey completed on August 02, 2021

    Review By Christina D. for Larry Montecino

    Completed transaction in July 2021

    Larry always communicated with me. Even if it was stuff I was worried about or couldn’t change he would always respond or reassure me. Great customer service!

  • 5

    5 Survey completed on June 16, 2021

    Review By Ashley C. for Larry Montecino

    Completed transaction in May 2021

    Larry helped us navigate an area we were unfamiliar with and answered all of our questions

  • 5

    5 Survey completed on June 03, 2021

    Review By Maurice S. for Larry Montecino

    Completed transaction in May 2021

    All of those who were involved in my Loan treated as if it was their loan. Thanks to youall

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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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