Patrick Holland

Patrick Holland

Area Manager/Senior Vice President   NMLS# 179158

orange star4.99 (2057 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)

    Patrick was extremely responsive and respectful. Drove to great lengths towards a successful closing .

  • 5 (5 stars)

    Working with Pat was one of the best decisions we made during our homebuying process. From the very beginning, he was knowledgeable, responsive, and incredibly patient in walking us through every step of financing our home. Buying a house can feel overwhelming, especially with all the moving parts, but he made the process feel clear and manageable. Pat took the time to explain our loan options in detail, ran multiple scenarios so we could understand how different rates and terms would affect our monthly payment, and never made us feel rushed or pressured. Whenever we had questions about rates, timelines, underwriting requirements, or closing costs, we received quick and thorough responses. What stood out most was Pat's transparency and professionalism. There were no surprises, no last-minute confusion, and everything was communicated clearly ahead of time. Pat coordinated seamlessly with our realtor and title company, which helped keep the transaction on track and reduced a lot of stress. In fact, we were done with all requirements 3-4 weeks ahead of closing, leaving us to focus on moving requirements instead of last-minute paperwork. Most importantly, we always felt like Pat genuinely had our best interests in mind. It wasn’t just about getting the deal done; it was about making sure we were comfortable and confident in the financial decision we were making. If you are looking for a lender who is knowledgeable, communicative, and truly invested in helping you succeed, I would highly recommend Patrick Holland. We are extremely grateful for his support throughout the homebuying process.

  • 5 (5 stars)

    Clear communication and we closed on time!

  • 5 (5 stars)

    As always Pat was fantastic. During the entire process he was proactive, very clear and candid with advice, and always reachable. We honestly believe he has our best interests in mind and trust him completely. We go back a long way together .

  • 5 (5 stars)

    Pat was a pro, from beginning to end. He was communcitaive and helpful at every stage.

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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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