Wayne Palkovic

Wayne Palkovic

Senior Loan Officer   NMLS# 201581

orange star4.92 (395 Reviews)

5 stars

Wayne Palkovic is a trusted mortgage professional in Martinsburg, WV, 25401

About Wayne

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...

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See what other homeowners have to say about me
  • 5

    Wayne is amazing and goes the extra mile to help my clients.

  • 5

    Got it — I’ve removed the dashes and smoothed everything out so it flows naturally: I can’t say enough about how amazing Wayne was throughout my home-buying process. Before finding him, I spoke with at least six other lenders who all told me the same thing, that my situation wasn’t workable and they wouldn’t even attempt to get me a loan. Wayne was the only person who not only believed it was possible but promised me from the start that he would do everything he could to help. From day one, Wayne understood what this home meant for my family. There were multiple times I felt like giving up, but he encouraged me to keep going and assured me that there was still a path forward. Thanks to his determination and hard work, I was fully approved for a mortgage when no one else would even try for me. Wayne also went above and beyond by securing me an interest rate below current market rates and making sure I didn’t have to pay the VA loan funding fee due to my disability rating. I had purchased multiple homes before this and had no idea not paying the funding fee was even possible until Wayne brought it up. That alone saved me thousands and showed just how much he looks out for his clients. What really stands out is that Wayne is motivated to keep me as a client for life. He has already told me he will stay in contact about a streamline refinance in the future to help lower my interest rate even more. That kind of long-term commitment and care is rare in this business, and it gives me complete confidence moving forward. On top of all that, he always treated me like a friend, taking the time to talk me through every step and calm me down when I felt overwhelmed. I’m now in the perfect home for my family, and it simply wouldn’t have been possible without Wayne. I will never use anyone else for my loan needs. If you want someone who truly cares, will fight for you when others won’t, and will treat you with kindness and respect the whole way through, I can’t recommend Wayne highly enough.

  • 5

    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

    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

    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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Martinsburg, WV Mortgage Loan Officers

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Frequently asked questions

You can get pre-approved online, over the phone, or in person at our Martinsburg branch. We'll review your income, credit, and goals to provide a personalized letter to help strengthen your offer.

It depends on your budget, credit, and goals, but our local loan officers in Martinsburg will walk you through the best options, from conventional loans to government-backed programs.

Yes! Our Martinsburg branch is located at 300 Foxcroft Avenue, Suite 305, Martinsburg, WV, 25401, and we serve homebuyers in the surrounding area. Stop by or schedule a meeting with a loan officer today.

Yes. Our team in Martinsburg can help you explore low or no down payment options, including FHA, VA, and local assistance programs you may qualify for.

Embrace Home Loans is a trusted mortgage lender in Martinsburg, WV. Our local team offers personalized guidance and a wide range of loan options to help you buy with confidence.

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