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 April 16, 2019

Review By Jamie C. for Larry Montecino

Completed transaction in April 2019

Larry and the staff at Embrace were helpful throughout the entire process. Thanks so much for making this all happen, I couldn’t be happier with our new home.


5.0 Survey completed on April 15, 2019

Review By Francis K. for Larry Montecino

Completed transaction in April 2019

prompt, friendly attention and attention to detail


5.0 Survey completed on April 13, 2019

Review By David S. for Larry Montecino

Completed transaction in April 2019

Larry was very involved and very helpful throughout the entire process! 10 out of 10!


5.0 Survey completed on March 23, 2019

Review By Rebecca G. for Larry Montecino

Completed transaction in March 2019

Larry was excellent through the whole process! This was my first time even looking into buying a home and he answered my questions throughout the whole process. He was very accessible and responsive! He really made the whole home buying experience less stressful!!


5.0 Survey completed on March 21, 2019

Review By Josiah A. for Larry Montecino

Completed transaction in March 2019

Larry was so helpful and always available to answer our questions. We were very fortunate to have his help during the mortgage process and definitely recommend him!

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