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I am a passionate Mortgage Loan Originator dedicated to helping you navigate the home loan process with ease and confidence. I was raised in Puerto Rico, which gave me a unique perspective on how diverse needs and backgrounds can shape the mortgage journey. After earning my Bachelor’s degree in Computer Science from New York University, I honed my analytical skills, which now serve me well in evaluating financial options and helping clients understand the intricacies of their mortgage approvals. In addition to my academic and professional background, I had the privilege of playing professional basketball for five years. That experience taught me the value of teamwork, perseverance, and dedication—traits I bring to every client relationship. What truly drives me is my passion for educating my customers throughout the mortgage process. Whether you’re a first-time homebuyer or a seasoned investor, I take the time to walk you through each step, ensuring you feel confident and empowered in your decisions. Let’s work together to turn your homeownership goals into a reality!
Rating: 5.0 out of 5.0 from Encompass Carlos. Carlos made it great. He was always calm and kept the focus on crossing that finish line to close. He was excellent. Definitely deserves a promotion. I would come back again just because he made the process so much easier. PhillipGoshen, NY May 12
Carlos. Carlos made it great. He was always calm and kept the focus on crossing that finish line to close. He was excellent. Definitely deserves a promotion. I would come back again just because he made the process so much easier.
Rating: 5.0 out of 5.0 from Encompass It was a pleasure working with Carlos. He was always responsive and knowledgeable. His communication was clear and he stayed on top of every detail. making everything feel smooth and stress-free. Would highly recommend. BeataCentral Islip, NY May 01
It was a pleasure working with Carlos. He was always responsive and knowledgeable. His communication was clear and he stayed on top of every detail. making everything feel smooth and stress-free. Would highly recommend.
Rating: 5.0 out of 5.0 from Encompass Carlos and his team are great people to work with. They are very kind and always available to answer any questions you may have. Carlos went above and beyond to make sure everything was completed on time. AlipioCentral Islip, NY Apr 20
Carlos and his team are great people to work with. They are very kind and always available to answer any questions you may have. Carlos went above and beyond to make sure everything was completed on time.
Rating: 5.0 out of 5.0 from google (Translated by Google) From the moment we met, Carlos demonstrated an exceptional level of professionalism and knowledge in his field. Throughout the loan process, Carlos stood out for his ability to communicate clearly and concisely. He was always willing to answer all my questions and explain every detail related to my home financing. He even ke... Omar Rodriguez Apr 09
(Translated by Google) From the moment we met, Carlos demonstrated an exceptional level of professionalism and knowledge in his field. Throughout the loan process, Carlos stood out for his ability to communicate clearly and concisely. He was always willing to answer all my questions and explain every detail related to my home financing. He even ke...
Rating: 5.0 out of 5.0 from google (Translated by Google) I had a tremendous experience with Carlos during the process of buying my first home. He is very professional, friendly, and knowledgeable. Besides offering us various options and products, it was a very educational process where Carlos took the time to explain the pros and cons of each option in detail. I wholeheartedly reco... Manuel Tapia Apr 09
(Translated by Google) I had a tremendous experience with Carlos during the process of buying my first home. He is very professional, friendly, and knowledgeable. Besides offering us various options and products, it was a very educational process where Carlos took the time to explain the pros and cons of each option in detail. I wholeheartedly reco...
Rating: 5.0 out of 5.0 from google I recommend Carlos without reservation. He is knowledgeable, responsive, and truly cares about helping clients find the best options. Bryan Colella Apr 09
I recommend Carlos without reservation. He is knowledgeable, responsive, and truly cares about helping clients find the best options.
Rating: 5.0 out of 5.0 from google Carlos provided my mortgage several years ago, then provided some incredibly beneficial advice and insights when I sold my house. He is absolutely fantastic and you should definitely rely on his credibility, financial acumen and skills when buying your home. Ron Gerber with Angelbeat Seminars Apr 07
Carlos provided my mortgage several years ago, then provided some incredibly beneficial advice and insights when I sold my house. He is absolutely fantastic and you should definitely rely on his credibility, financial acumen and skills when buying your home.
Rating: 5.0 out of 5.0 from facebook Nicest most trust worth local guy!!! 1000% confidence in him!! Donna Glickman Apr 01
Nicest most trust worth local guy!!! 1000% confidence in him!!
Rating: 5.0 out of 5.0 from google Working with Embrace Home Loans was a great experience. We were blessed to work with Carlos Santana (loan officer) he is the best. He was very patient with us, and always answered our questions. His hard work and diligence resulted in a favorable outcome in my second home purchase. I would highly recommend Carlos Chris Frey Apr 01
Working with Embrace Home Loans was a great experience. We were blessed to work with Carlos Santana (loan officer) he is the best. He was very patient with us, and always answered our questions. His hard work and diligence resulted in a favorable outcome in my second home purchase. I would highly recommend Carlos
Rating: 5.0 out of 5.0 from google Amazing experience! Carlos was very quick to respond and very approachable throughout the entire approval process. Thank you for facilitating getting our dream home! Anthony D'Agostino Apr 01
Amazing experience! Carlos was very quick to respond and very approachable throughout the entire approval process. Thank you for facilitating getting our dream home!
Rating: 5.0 out of 5.0 from google Absolutely nothing but the best to write about Carlos and Embrace Home Loans!! From the very beginning he put me at ease with the home buying process. He really cared about my needs, addressed all concerns and was always available to be reached any time of day even on weekends. I would recommend all to use Carlos! Super knowledgeable and professi... Lisa Karcic Apr 01
Absolutely nothing but the best to write about Carlos and Embrace Home Loans!! From the very beginning he put me at ease with the home buying process. He really cared about my needs, addressed all concerns and was always available to be reached any time of day even on weekends. I would recommend all to use Carlos! Super knowledgeable and professi...
Rating: 5.0 out of 5.0 from google Carlos made the home buying process a simple one by communicating with us. Also he explained to us all of our product options in this current market. Thank you Carlos. Roseanne Karcic Apr 01
Carlos made the home buying process a simple one by communicating with us. Also he explained to us all of our product options in this current market. Thank you Carlos.
Rating: 5.0 out of 5.0 from google Carlos is the most positive and helpful person. My husband and I just bought our first home with his help! Carlos was available whenever we needed for questions or just to check in. He always made us feel comfortable and well taken care of. We would love to work with him again in the future! Can’t thank you enough for your time and for always kee... Jenna Matheis Apr 01
Carlos is the most positive and helpful person. My husband and I just bought our first home with his help! Carlos was available whenever we needed for questions or just to check in. He always made us feel comfortable and well taken care of. We would love to work with him again in the future! Can’t thank you enough for your time and for always kee...
Rating: 5.0 out of 5.0 from google Carlos was fantastic! He helped guide me through my first home purchase and was there to answer my many questions. He also did a good job explaining the various scenarios and made sure I understood them and was comfortable with a choice before moving on to the next step. I really appreciate that Carlos was approachable and available even during off... Shirley Chau Apr 01
Carlos was fantastic! He helped guide me through my first home purchase and was there to answer my many questions. He also did a good job explaining the various scenarios and made sure I understood them and was comfortable with a choice before moving on to the next step. I really appreciate that Carlos was approachable and available even during off...
Rating: 5.0 out of 5.0 from google Carlos was amazing from the first call I had with him. He always made himself available to talk to me and answered all my questions and explained things so patiently and professionally. Carlos was involved and incredible through the entire home buying process. HIGHLY RECOMMEND!! Carlos is the best I got my house because of his help. Lucenie Cetoute Apr 01
Carlos was amazing from the first call I had with him. He always made himself available to talk to me and answered all my questions and explained things so patiently and professionally. Carlos was involved and incredible through the entire home buying process. HIGHLY RECOMMEND!! Carlos is the best I got my house because of his help.
Rating: 5.0 out of 5.0 from google Thank you Carlos for your expertise, patience, and total dedication with getting us approved for our mortgage. You never gave up on us. You coached us through the process so well. I was so excited to see you at closing. That was the icing on the cake! We are forever grateful for your time and dedication, as you help working people like us, achieve... Heather Hope Best Apr 01
Thank you Carlos for your expertise, patience, and total dedication with getting us approved for our mortgage. You never gave up on us. You coached us through the process so well. I was so excited to see you at closing. That was the icing on the cake! We are forever grateful for your time and dedication, as you help working people like us, achieve...
Rating: 5.0 out of 5.0 from google (Translated by Google) Carlos Santana's service is excellent. Carlos strives to listen and understand his clients' needs and find the best loan options for everyone. He is approachable and friendly, always willing to provide personalized advice and answer questions. (Original) El servicio de Carlos Santana es excelente. Carlos se esfuerza por escu... Ruben Tapia Apr 01
(Translated by Google) Carlos Santana's service is excellent. Carlos strives to listen and understand his clients' needs and find the best loan options for everyone. He is approachable and friendly, always willing to provide personalized advice and answer questions. (Original) El servicio de Carlos Santana es excelente. Carlos se esfuerza por escu...
Rating: 5.0 out of 5.0 from google Carlos was great to work with. Great experience, Extremely knowledgeable, and helped guide us to the best financial decision on the right mortgage for our new home. Will go to him again when time comes to refinance some day emre ucku Apr 01
Carlos was great to work with. Great experience, Extremely knowledgeable, and helped guide us to the best financial decision on the right mortgage for our new home. Will go to him again when time comes to refinance some day
Rating: 5.0 out of 5.0 from google Me and my wife new to home buying and Carlos was patient with us made sure we had a right paperwork, he was able to answer all of my questions and always did so quickly and thoroughly. He answered our calls day and night kept us informed at all times, with his help we were able to get the home we Love. Thanks Leo Anchiano Apr 01
Me and my wife new to home buying and Carlos was patient with us made sure we had a right paperwork, he was able to answer all of my questions and always did so quickly and thoroughly. He answered our calls day and night kept us informed at all times, with his help we were able to get the home we Love. Thanks
Rating: 5.0 out of 5.0 from google Carlos made my home purchasing journey very easy. He was attentive and responsive. I cannot recommend him enough. The lending process was smooth and Carlos was there every step of the way. Daniel DeMarco Apr 01
Carlos made my home purchasing journey very easy. He was attentive and responsive. I cannot recommend him enough. The lending process was smooth and Carlos was there every step of the way.
Rating: 5.0 out of 5.0 from google Carlos is very personable and kind. He puts the interests of his clients first and is very knowledgeable. Chris Hurley Apr 01
Carlos is very personable and kind. He puts the interests of his clients first and is very knowledgeable.
Rating: 5.0 out of 5.0 from google Carlos made my first home-buying experience smooth and stress-free. He took the time to walk me through every step, explain my options, and answer all my questions. His professionalism, patience, and willingness to be available even outside normal hours really stood out. I’d gladly work with him again and I can’t say enough good things about hi... Thomas Frey Apr 01
Carlos made my first home-buying experience smooth and stress-free. He took the time to walk me through every step, explain my options, and answer all my questions. His professionalism, patience, and willingness to be available even outside normal hours really stood out. I’d gladly work with him again and I can’t say enough good things about hi...
Rating: 5.0 out of 5.0 from google Carlos is a fantastic resource and partner on your home buying journey. I highly recommend working with him. Amjed Osman Apr 01
Carlos is a fantastic resource and partner on your home buying journey. I highly recommend working with him.