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 July 03, 2019

Review By Kristina M. for Larry Montecino

Completed transaction in June 2019

Larry made the process easy and answered my questions every step of the way.


5.0 Survey completed on June 16, 2019

Review By Joseph L. for Larry Montecino

Completed transaction in June 2019

Larry was professional and always willing to answer questions. It was an easy process.


5.0 Survey completed on May 02, 2019

Review By Shannon R. for Larry Montecino

Completed transaction in April 2019

Larry went over-and-above for us, working with us for almost a year. We were looking for our last home, the one we hope to grow old in, so we were VERY picky. Larry was patient, kind, and explained everything to me more than once. I recommend him completely. His work and his demeanor are exemplary.


5.0 Survey completed on May 01, 2019

Review By Jose Z. for Larry Montecino

Completed transaction in April 2019

He is the best just like that


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.

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