Patrick Holland

Patrick Holland

Area Manager/Senior Vice President   NMLS# 179158

orange star4.99 (2076 Reviews)

5 stars

Patrick Holland is a trusted mortgage professional in Fairfax, VA 22030

About Patrick

“I only know how to work one way, and that is do the job right and don’t cut corners. There is no substitute for hard work and dedication.”

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Chairmans Club Award

2024-2020

Embrace Home Loans Founders Club

Inducted 2020

Hall of Fame Logo

Member

Embrace Home Loans Presidents club

2023 - 2009

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See what other homeowners have to say about me
  • 5 (5 stars)

  • 5 (5 stars)

    It was great working with Patrick. He explained everything in a way that made it easy to digest for someone who never took out a loan let alone a mortgage. Pat was also super flexible and was able to make time to talk around my crazy work schedule, which I'm beyond thankful for. I could also tell that Pat is a genuine person which is an added bonus to how professional he is. 10/10 would recommend.

  • 5 (5 stars)

    Repeat customer and as always Pat and his team are organized and very professiona. Pleasure doing business with a knowledgeable partner. Thank you Pat.

  • 5 (5 stars)

    Working with Pat was an amazing experience. From the very beginning, he made us feel comfortable and supported us through what could have been a stressful process. Pat took the time to answer all of our questions no matter how many we had and always made sure we fully understood everything. He explained things in a way that was clear and reassuring, which meant a lot to us as we went through each step. What really stood out was how patient, responsive, and genuinely helpful he was the entire time. Whenever we reached out, he was quick to respond and always made us feel like our questions and concerns mattered. Because of him, the whole process felt smooth and far less stressful than we expected. We’re incredibly grateful to have had Pat guiding us through this process. If you’re looking for a lender who is knowledgeable, supportive, and truly cares about helping you every step of the way, Pat is the person you want on your team.

  • 5 (5 stars)

    I have used Pat for 3 deals in the last few years. He is organized and thinks about what is best for the buyer and not always what is best for himself. That fact alone is why I will always use him for my deals.

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Patrick Holland

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Fairfax, VA Mortgage Loan Officers

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Frequently asked questions

Yes. Patrick Holland 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 Patrick Holland at our Fairfax 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 Fairfax 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, Patrick Holland is here to help you reach your goals.

Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Patrick Holland 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. Patrick Holland will walk you through your options and help you find the right fit.

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