Karla Melgar

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...

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 borrowers. We even have programs for people with credit scores as low as 580. When you work with us, you’ll discover why getting a mortgage is so much better when you Embrace it.

Borrowers also benefit from Embrace’s wide range of products designed to meet many unique needs. Our Extended Rate Lock program has terms available for 180, 270, and 360 days; a one-time float-down option is available within 30 days of closing. For self-employed borrowers or other clients whose income is best represented by bank statements or 1099s, Beyond by Embrace can offer the flexibility that other lenders can’t. In this tight housing market, Embrace is also concerned with making sure that buying a home is affordable, since it can often be unrealistic for many. Our Affordable Housing Loans can fit your budget and help finally transform your homeownership dreams into reality.

You can build on our experience! Click here to learn more about licensed Business Development Associate Tyler Martinez who is by Karla’s side every day. Our team has talent, tech-savvy, and tenure – what more could you ask for?