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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


  • 5.0

    5.0 Survey completed on April 06, 2021

    Review By Randall C. for Larry Montecino

    Completed transaction in March 2021

    Larry was great. Not so sure about the title company. Larry was available to answer my questions as needed and helped when snags happened.

  • 4.5

    4.5 Survey completed on April 03, 2021

    Review By Jeremy B. for Larry Montecino

    Completed transaction in March 2021

    Larry was great to work with!!!!

  • 5.0

    5.0 Survey completed on March 31, 2021

    Review By Tanya B. for Larry Montecino

    Completed transaction in March 2021

    Lorenzo was very nice, sweet, and, a very patient with me because I was always calling him, texting him, or emailing him about the simplest Little things. I appreciate everything he has done for me to make my dream come true!

  • 5.0

    5.0 Survey completed on March 09, 2021

    Review By Kristina M. for Larry Montecino

    Completed transaction in February 2021

    Larry made the refinancing process effortless!

  • 5.0

    5.0 Survey completed on January 04, 2021

    Review By Joy T. for Larry Montecino

    Completed transaction in November 2020

    My experience both times with Larry was great! He's very patient and explains everything thoroughly with no hesitation!

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