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Lou Centrella

Lou Centrella

Senior Loan Officer
Phone: 800.333.3004 ext. 3343
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About

Lou works hard originating the loans and going out and building relationships with Realtors to help accommodate the client. Lou states, “Embrace has all the tools and support I need in order to get your buyers to the closing table smoothly and quickly. We have all the programs available for your potential buyers. Conventional, FHA, VA, DSHA BOND, and many other great programs.” He also prepares, analyzes and verifies the mortgage loan applications, and is responsible for timely, accurate and complete loan file submissions. He loves his job so much that he prides himself on being available for the client when he is on vacation.

Lou holds the Top Originator award for 2012 and President’s Club Award for Embrace for the last three years. Lou graduated from the University of Delaware before starting with the mortgage industry. He is passionate about being an active member of the neighborhood Homeowners Association for over twelve tears. He was born and raised in Hockessin, Delaware and currently resides with his wife of eighteen years and three children, ages 12, 14 and 15. Life for Lou outside of Embrace is very active, he enjoys soccer, biking, tennis, and landscaping.

 

Branch: Delaware - Wilmington, 5341 Limestone Road, Wilmington, DE 19808

Lou Centrella, NMLS# 146337 , is employed by Embrace Home Loans and is licensed in:
DE MD NJ PA

Reviews (43 Reviews)

5.0
5.0 Survey completed on November 16, 2017
Reviewed By Paul Edwards for Lou Centrella
Completed transaction in November 2017
I purchased my first home and refinanced with Lou Centrella. On both occasions, I was completely satisfied. He is very professional, personal, and prompt. He was easily reached by phone and email. I felt that he went above and beyond his duties because he looked out for my best interest. The only reason I refinanced was to drop my interest rate but Lou saved me additional money by dropping my PMI also. Lou was highly recommended to me by a friend and I highly recommend him to you too.I purchased my first home and refinanced with Lou Centrella. On both occasions, I was completely satisfied. He is very professional, personal, and prompt. He was easily reached by phone and email. I felt that he went above and beyond his duties becau ...read full review
5.0
5.0 Survey completed on November 15, 2017
Reviewed By Christopher Logullo for Lou Centrella
Completed transaction in November 2017
Lou is fantastic. He was very attentive and carefully guided me through the process of buying my home. I will readily recommend Lou to anyone looking to buy a home.
5.0
5.0 Survey completed on November 11, 2017
Reviewed By Brian Albert for Lou Centrella
Completed transaction in November 2017
We have used Lou for home purchases and refinancing several times over the years. He and his coworkers are super responsive and made the whole process easy!
5.0
5.0 Survey completed on November 6, 2017
Reviewed By John Denny for Lou Centrella
Completed transaction in October 2017
The attention to detail was right on point. We had every question answered almost before we thought of them. I would recommend using their service to my best friends.
4.667
4.667 Survey completed on November 2, 2017
Reviewed By Matthew Laird for Lou Centrella
Completed transaction in October 2017
Working with Lou was great! He helped explain the process and get me the best deal possible.
5.0
5.0 Survey completed on October 3, 2017
Reviewed By Gregory Spear for Lou Centrella
Completed transaction in September 2017
Thanks Lou!
5.0
5.0 Survey completed on October 3, 2017
Reviewed By Kyle Carter for Lou Centrella
Completed transaction in September 2017
Lou helped my wife and I to navigate the borrowing process so that we were able to purchase our first home with with ease!
5.0
5.0 Survey completed on September 30, 2017
Reviewed By David DiNardo for Lou Centrella
Completed transaction in September 2017
Always got back to me in a timely manner; put me in the best loan for my situation.
5.0
5.0 Survey completed on September 28, 2017
Reviewed By Stashauna Carter for Lou Centrella
Completed transaction in September 2017
Lou was very knowledgeable and always available to answer our questions, give advice and support. He was very efficient and very open. He made this process stress free it was great having Lou in our corner.
5.0
5.0 Survey completed on September 2, 2017
Reviewed By Ryan for Lou Centrella
Completed transaction in August 2017
Lou is great! He made the whole process pretty easy and his work was flawless. We couldn't have asked for a better loan officer!
5.0
5.0 Survey completed on August 15, 2017
Reviewed By Kathryn Magno for Lou Centrella
Completed transaction in August 2017
We were first time home buyers and Lou helped us through the entire process. He stayed on top of everything and it was all done right away. The process went very smoothly! Thanks Lou!
5.0
5.0 Survey completed on August 15, 2017
Reviewed By Ian Fitzwater for Lou Centrella
Completed transaction in August 2017
Lou's communication
5.0
5.0 Survey completed on August 14, 2017
Reviewed By Jeffrey Mangat for Lou Centrella
Completed transaction in August 2017
Lou was an amazing resource and made me feel comfortable every step of the loan process. I was very happy with the level of service and attention I received and would certainly recommend him to anyone looking for home related financing.
5.0
5.0 Survey completed on July 29, 2017
Reviewed By Benjamin Lougheed for Lou Centrella
Completed transaction in July 2017
Lou was great to work with. Communication was great and always was there if I had any questions
4.667
4.667 Survey completed on July 17, 2017
Reviewed By Brian Boyd for Lou Centrella
Completed transaction in June 2017
Lou was very responsive to all of my questions and made it easy to communicate, he made himself available to address my concerns
5.0
5.0 Survey completed on July 17, 2017
Reviewed By John Mangan for Lou Centrella
Completed transaction in June 2017
Very friendly, responsive and reassuring to a first-time buyer
5.0
5.0 Survey completed on July 6, 2017
Reviewed By Jesse Kleiber for Lou Centrella
Completed transaction in June 2017
Lou was great in aiding me as a first time self employed home buyer. If you're in that boat you know that it can be a complicated time. The whole deal closed on time with a 30 day closing even after the property in question threw us some curveballs. Lou was also readily available, even at ridiculous hours and weekends to answer the many questions I had along the way. Lou was great in aiding me as a first time self employed home buyer. If you're in that boat you know that it can be a complicated time. The whole deal closed on time with a 30 day closing even after the property in question threw us some curveballs. ...read full review
5.0
5.0 Survey completed on June 30, 2017
Reviewed By Juan Ibarra for Lou Centrella
Completed transaction in June 2017
It was a very exciting experience, Lou made every effort to help me accomplish my goals!!!
5.0
5.0 Survey completed on June 30, 2017
Reviewed By Robert Chambers for Lou Centrella
Completed transaction in June 2017
I have had a very pleasant experience with Lou buying my first house. He made is very easy and simple.
5.0
5.0 Survey completed on June 27, 2017
Reviewed By Bruce Spencer for Lou Centrella
Completed transaction in June 2017
Him being on top of everything. Keeping us informed and up to date. His recommendations were very helpful in making important decisions. We will use Lou again if we ever need mortgage services in the future.
5.0
5.0 Survey completed on June 27, 2017
Reviewed By Virgen Ibarra for Lou Centrella
Completed transaction in June 2017
Lou took the time to explain and make sure we understand the process. He made us feel comfortable during the entire procedure. He really exceeds our expectations and I truly recommend his services.
4.333
4.333 Survey completed on June 27, 2017
Reviewed By Amy Conway for Lou Centrella
Completed transaction in June 2017
Lou was always available to answer any questions. He is ultra-professional, extremely knowledgeable, ethical and trustworthy. Above all, Lou has years of experience and that really counts! He has helped me to buy two houses - one in DE and one in PA. I can't imagine working with anyone other than Lou. Lou was always available to answer any questions. He is ultra-professional, extremely knowledgeable, ethical and trustworthy. Above all, Lou has years of experience and that really counts! He has helped me to buy two houses - one in DE and one in ...read full review
5.0
5.0 Survey completed on April 23, 2017
Reviewed By Neil for Lou Centrella
Completed transaction in April 2017
We would definitely highly recommend working with Lou and Embrace home loans. He got us a great rate, and helped us throughout our way. We made an offer the day before we left for vacation, and Lou was able to help us work through everything remotely and we got to relax. It was great having that peace of mind while on vacation and buying a house.We would definitely highly recommend working with Lou and Embrace home loans. He got us a great rate, and helped us throughout our way. We made an offer the day before we left for vacation, and Lou was able to help us work through everything remotely ...read full review
5.0
5.0 Survey completed on April 19, 2017
Reviewed By Utility Worker for Lou Centrella
Completed transaction in April 2017
My experience was great. Lou always answered every question we had. Without him I'm not sure we would be in the home we have.
5.0
5.0 Survey completed on March 18, 2017
Reviewed By Frank&Sofia for Lou Centrella
Completed transaction in March 2017
Since our first appointment and throughout the process, Lou guided us on every further steps in such a professional and comprehensive way. We felt very confidence and comfortable having Lou as our loan officer. We had a very grateful experience with Lou, as everything related with our loan went out smooth, clear and seamless. We really appreciate Lou's friendship and support. He was a definitive important piece in our successful new home project.Since our first appointment and throughout the process, Lou guided us on every further steps in such a professional and comprehensive way. We felt very confidence and comfortable having Lou as our loan officer. We had a very grateful experience with ...read full review
5.0
5.0 Survey completed on March 6, 2017
Reviewed By Lou for Lou Centrella
Completed transaction in March 2017
Lou was very responsive and always available. I steered away from my employer, a big bank, because I knew I wouldn't get that with them.
5.0
5.0 Survey completed on January 25, 2017
Reviewed By Rich for Lou Centrella
Completed transaction in January 2017
Everything I was hoping it would be.
5.0
5.0 Survey completed on December 29, 2016
Reviewed By Nick for Lou Centrella
Completed transaction in December 2016
Being a first time home buyer I had many questions and Lou was very thourogh and patient answering all of them. Will definitely use in the future.
5.0
5.0 Survey completed on December 10, 2016
Reviewed By Ally for Lou Centrella
Completed transaction in December 2016
My experience was great, he would always explained everything and he was always communicating with us. Very very happy with everything that he did for us! :)
5.0
5.0 Survey completed on December 4, 2016
Reviewed By Mark for Lou Centrella
Completed transaction in December 2016
My customer service experience was excellent. Lou was easy to work with, honest and open , as well as truly professional. I was very satisfied with the customer service I received.
5.0
5.0 Survey completed on October 9, 2016
Reviewed By Jodi for Lou Centrella
Completed transaction in October 2016
Great
5.0
5.0 Survey completed on October 4, 2016
Reviewed By Refi for Lou Centrella
Completed transaction in October 2016
Lou was available it seemed at any time day or night to answer all questions that we had.
5.0
5.0 Survey completed on August 3, 2016
Reviewed By Angie for Lou Centrella
Completed transaction in August 2016
Lou and his team were a pleasure to work with and made my first time home buying experience as smooth as possible. I would highly recommend him and the entire team at Embrace!
5.0
5.0 Survey completed on July 5, 2016
Reviewed By K&S for Lou Centrella
Completed transaction in July 2016
Lou was amazing. He went above and beyond everything we asked and more. Lou worked with us for about 6 months. After a few homes that fell through, Lou was always eager to to draw up new numbers and always kept them in our price range.
5.0
5.0 Survey completed on June 17, 2016
Reviewed By Joe for Lou Centrella
Completed transaction in June 2016
Lou and associates are great! All paperwork was supplied in a timely manner, and returned quickly as well. Our account was processed very quickly. I have recommended Lou because of the great service provided.
5.0
5.0 Survey completed on June 3, 2016
Reviewed By Cito for Lou Centrella
Completed transaction in June 2016
He was great. He always kept us in the loop. He didn't miss anything. He always got back to us right alway. We absolutely loved him. Very nice person to work with very flexible. What can we say he was amazing.
5.0
5.0 Survey completed on March 9, 2014
Reviewed By chine_1 for Lou Centrella
Completed transaction in March 2014
Lou went above and beyond to help me keep my house after getting divorced. He was amazing! Responding to emails and texts super quickly, explaining everything and even offering his opinion on my options. He made a very stressful time and situation manageable. I would recommend him to everyone! Besides saving me a lot of money, he was a pleasure to deal with and made everything super easy!Lou went above and beyond to help me keep my house after getting divorced. He was amazing! Responding to emails and texts super quickly, explaining everything and even offering his opinion on my options. He made a very stressful time and situation ma ...read full review
5.0
5.0 Survey completed on March 5, 2014
Reviewed By skurlacm for Lou Centrella
Completed transaction in March 2014
Lou Centrella was amazing to work with. We have now worked with Lou several times on both refi's and home purchases. He worked very hard to stay on top of every aspect of our loans and provided us with outstanding service time and time again. Lou is extremely knowledgeable with DE loans and was always responsive whether we contacted him through email or phone calls. He answered all of our questions thoroughly and worked hard to meet our closing expectations. Lou is honest, straight forward, easy to work with, and made each of our loan processes enjoyable. We highly recommend Lou Centrella he is an outstanding lender!Lou Centrella was amazing to work with. We have now worked with Lou several times on both refi's and home purchases. He worked very hard to stay on top of every aspect of our loans and provided us with outstanding service time and time again. Lou ...read full review
5.0
5.0 Survey completed on February 26, 2014
Reviewed By szymanskicheri for Lou Centrella
Completed transaction in February 2014
I was going through a divorce and needed to remortgage my home. I knew very little about this process as my former spouse did most of the financials. Lou took the time to come up with the best and most affordable solution for me. The percentage rate he locked me in at was lower than my original mortgage and despite having to buy out my former spouse my mortgage payment was just about the same. Lou was super professional and made me feel very comfortable. He went through the entire process with me step by step. The process was quick easy and I walked away feeling empowered and thankful. Lou continues to be a professional resource for me. I have referred co workers family and friends to him. Everyone has been more than happy with his delivery of service. I highly recommend him to anyone for a first time mortgage remortgage and any other type of loan that you want the best rate and quickest closure. Thanks Lou!
Cheri Szymanski
I was going through a divorce and needed to remortgage my home. I knew very little about this process as my former spouse did most of the financials. Lou took the time to come up with the best and most affordable solution for me. The percentage ra ...read full review
5.0
5.0 Survey completed on February 17, 2014
Reviewed By babiarz ray for Lou Centrella
Completed transaction in February 2014
Lou is very detail oriented and make sure you understand the process from soup to nuts. He kept us in the loop and explained to us what we would expect at settlement. His HUD disclosures were right on the button.
5.0
5.0 Survey completed on February 11, 2014
Reviewed By jc1231 for Lou Centrella
Completed transaction in February 2014
We have worked with Lou for all our mortgage needs for the the last 8 years. He is extremely knowledgeable, professional, and responsive. There were several times when we questioned if refinancing was the right choice for us, given the rates and market conditions. Lou gave us an honest evaluation of the current market situation and spent quite a bit of time analyzing our personal situation. His recommendations were always honest, factual, and trustworthy. In the three transactions with Lou, they always went smooth and Lou made the process extremely easy. I highly recommend Lou to anyone in need of mortgage or refinance needs.We have worked with Lou for all our mortgage needs for the the last 8 years. He is extremely knowledgeable, professional, and responsive. There were several times when we questioned if refinancing was the right choice for us, given the rates and ma ...read full review
5.0
5.0 Survey completed on February 11, 2014
Reviewed By scottfir for Lou Centrella
Completed transaction in February 2014
Lou is incredibly detail oriented and responsive. Lou resolved any challenges that arose in the refinancing process promptly and did so with a positive attitude always ensuring the process was easy for me.

I would recommend Lou to anyone looking for a mortgage or to refinance an existing mortgage.
Lou is incredibly detail oriented and responsive. Lou resolved any challenges that arose in the refinancing process promptly and did so with a positive attitude always ensuring the process was easy for me.

I would recommend Lou to anyone loo
...read full review
5.0
5.0 Survey completed on February 5, 2014
Reviewed By gulsa60 for Lou Centrella
Completed transaction in February 2014
My family has used Lou's services for over a decade now and the results have always been beyond satisfaction. Lou is professional, knowledgeable and very responsive to all of our needs and questions. He lays out the details upfront and remains very responsive along the way, leaving no surprises. Even after settlement Lou always makes himself available to provide advice or answers to questions we may have. After years of loyal service we are confident that Lou will always get the job done. We highly recommend Lou for all of your real estate needs.My family has used Lou's services for over a decade now and the results have always been beyond satisfaction. Lou is professional, knowledgeable and very responsive to all of our needs and questions. He lays out the details upfront and remains very r ...read full review

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