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https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar
Senior Loan Officer NMLS# 186602
Karla Melgar is a trusted mortgage professional in La Plata, MD 20646
With over 52 years in mortgage banking and three decades specializing in VA and Builder lending, Karla has the know-how to help guide you in the right direction. Customer satisfaction is Embrace’s highest priority, and we are always developing new loan products to fit the individual needs of our...
2024-2018
2021,2020
5 (5 stars)
Michael H. from Hollywood, MD
Completed transaction in February 2026
She was awsome helped out a lot thank you for everything
5 (5 stars)
Justin T. from King George, VA
Completed transaction in February 2026
Karla provided exceptional service from begining to end!! She was always there for me every step of the way to answer questions and provide feedback. You could tell that she was doing everything she could to be our advocate and do what was best for us. I appreciate everything she did for our family in helping us get into our forever home.
5 (5 stars)
William B. from King George, VA
Completed transaction in February 2026
The guidance through the process was made easier by her addressing any concerns quickly and thoroughly.
5 (5 stars)
Kenneth N. from King George, VA
Completed transaction in January 2026
Attention to details and a personal touch
5 (5 stars)
Aldenvee D. from La Plata, MD
Completed transaction in January 2026
Karla was very commuicative and working with her makes things very easy for us.
Explore your options and take advantage of your mortgage opportunities
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107 Centennial St., Suite 100C
MD -320646 USLa Plata, MD 20646
Yes. Karla Melgar 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 Karla Melgar at our La-Plata 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 La-Plata 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, Karla Melgar is here to help you reach your goals.
Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Karla Melgar 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. Karla Melgar will walk you through your options and help you find the right fit.
4.93 (492 Reviews)
