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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 percent Customer Satisfaction Rating thumbs up
Zillow 5 star rating
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender


  • 5

    5 Survey completed on August 08, 2022

    Review By Bryant M. for Larry Montecino

    Completed transaction in July 2022

    Larry is always easy to get in contact with and helpful with all the questions I had.

  • 4

    4 Survey completed on June 14, 2022

    Review By Janet Z. for Larry Montecino

    Completed transaction in June 2022

    Recvd constant updates

  • 5

    5 Survey completed on June 14, 2022

    Review By Malinda B. for Larry Montecino

    Completed transaction in June 2022

    Larry, he was wonderful to work with. Very knowledgeable and helpful. I am so glad my realtor introduced me to Larry. Thank You for all you have done.

  • 5

    5 Survey completed on June 13, 2022

    Review By Carrie L. for Larry Montecino

    Completed transaction in June 2022

    Larry was great he communicated very well and made sure I understood everything

  • 4

    4 Survey completed on June 09, 2022

    Review By Timothy W. for Larry Montecino

    Completed transaction in June 2022

    When we need to turn in information about accounts we should be informed soon as possible...also some information that is needed is not updated on the web sight.

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