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https://www.embracehomeloans.com/location/west-virginia/martinsburg/wayne-palkovic
Senior Loan Officer NMLS# 201581
Wayne Palkovic is a trusted mortgage professional in Martinsburg, WV, 25401
Wayne Palkovic has over 43 years of experience in the mortgage industry and is eager to put that knowledge to work for you. He has helped thousands of clients become homeowners and brings an in-depth knowledge of USDA, FHA, Conventional, VA, West Virginia Housing, Jumbo, and Conforming loans. Wa...
5
Judith L.
Completed transaction in November 2025
Everyone i dealt with went above and beyond to guide and assist me!!! So courteous and hardworking!!
5
Tywana B.
Completed transaction in October 2025
Mr Wayne Palkovic was so very patient, comforting and knowledgeable about every question I had with my refinancing. I've also had the pleasure working with Mr Palkovic purchasing my first house over 20 years ago . He's really a wonderful person
5
Heather Y.
Completed transaction in May 2025
Wayne assisted me in the purchase of my home. He was professional, attentive, prompt with communication, and very knowledgeable. My questions were always answered and I was always made aware of the progress of my loan. I would absolutely request Wayne's services in the future.
5
Tyler F.
Completed transaction in April 2025
Wayne has always been great! His knowledge is second to none and quite frankly I wouldn't want anyone else handling my financial affairs.
5
Eric B.
Completed transaction in April 2025
I am exceptionally pleased with Wayne and every part of this entire homebuying process. Wayne was able to meet my needs and paramters for the loan and payments as well as to provide critical insight and suggestions to ease the process. I will not hesitate to strongly reccomend him to anyone I know looking for a home. Thank you!
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300 Foxcroft Avenue, Suite 305
WV 25401 USMartinsburg, WV, 25401
Yes. Wayne Palkovic can help you explore low and no down payment options, including FHA, VA, USDA, and exclusive Embrace programs. You may also qualify for local or state assistance depending on your income and location.
Getting pre-approved is simple. You can apply online, schedule a call, or meet with Wayne Palkovic at our Martinsburg branch. We’ll review your income, credit, and homebuying goals, then issue a personalized pre-approval letter. Many buyers choose Embrace’s exclusive Approved to Move program, which goes beyond standard pre-approval by fully underwriting your loan upfront.
Embrace Home Loans is a trusted mortgage lender serving Martinsburg and nearby communities. Our local loan officers offer personalized guidance, competitive rates, and exclusive loan programs designed to support homebuyers from pre-approval through closing. Whether you're a first-time buyer or refinancing, Wayne Palkovic is here to help you reach your goals.
Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Wayne Palkovic will help you compare fixed vs. adjustable rates, down payment requirements, and loan terms and guide you toward the best fit for your situation, whether you're buying your first home or your fifth.
The best mortgage depends on your credit, income, and long-term financial plans. Government-backed loans often offer flexible guidelines, while conventional loans may offer lower rates and reduced fees. Wayne Palkovic will walk you through your options and help you find the right fit.
4.92 (398 Reviews)
