Patrick Holland

Patrick Holland

Area Manager/Senior Vice President   NMLS# 179158

orange star4.99 (2191 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

2025 - 2009

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See what other homeowners have to say about me
  • 4 (4 stars)

    Patrick provided clear, professional, and timely advice throughout the entire mortgage process. He was responsive to our questions, kept us informed at each stage, and explained complex loan and closing matters in an easy-to-understand way. His communication gave us confidence throughout our first home-buying experience.

  • 5 (5 stars)

  • 5 (5 stars)

    Timely communication and availability

  • 5 (5 stars)

    My family and I can’t thank Pat enough for everything he did to help us become homeowners. After years of renting, we finally have a place to call our own, and Pat was instrumental in making that happen. From the very beginning, he took the time to explain every step of the process, answered every question we had, and worked tirelessly to get us approved for our home loan. He made what could have been an overwhelming experience feel manageable and gave us confidence every step of the way. Honestly, because of his hard work and dedication, my family is happy, comfortable, and ready to create memories in our own home. That is something we’ll never forget. If you’re looking to buy a home and want someone who genuinely cares about helping you succeed, I wholeheartedly recommend Pat. His professionalism, knowledge, and commitment to his clients are second to none. Thank you, Pat, for changing our lives and helping make our dream of homeownership a reality!

  • 5 (5 stars)

    We didn't even think it would be possible for us to become homeowners at this point in our lives. We have been renting for years because the past two times we tried to get financed they said we needed to work on our scores. Pat didn't even flinch, he rolled his sleeves up and went to work immediately. It wasn't how we were going to get our home...it was WHEN with him. I submitted everything he asked of me and he got us to closing in less than 30 days. Thank you Pat, we love our home.

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Patrick Holland

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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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