About Carlos
Proudly serving clients across New York, Connecticut, Florida and New Jersey.
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!
Borrower Testimonials
From the beginning Carlos Santana, was professional, communicative, patient, knowledgeable, and very responsive to all of my questions. He took the time to explain the mortgage process clearly and made sure I understood my options every step of the way.
great communication , everyone was very helpful
Carlos was very helpful throughout the entire process he always ensure to communicate with us every steps. Carlos was also very patient with me And my wife.
Carlos has been accessible to us throughout the entire loan process! He responed immediately, and had a genuine interest in seeing our deal thru the process including the best interest rate and the best terms. We are so lucky to have him! In fact, Thank God for Him!
Carlos was great throughout the entire expierence. I was a first time home buyer so I was not aware of the rules behind locking an interest rate. I would suggest for future home buyers to be more clear about the ability to lock an interest rate, while also explaining ability to unlock and readjust t...
communication, very quick, and an amazing product. It's how we won the house!
Couldnt have asked for better service for my family through the process. Outstanding experience
Clear communication very the very beginning and honest support to achieve the goal.
Carlos was very patient and worked very hard to help us along the way
" Friendly and professional. Carlos Santana, we thank you very much.
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.
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.
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.
(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...
(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...
I recommend Carlos without reservation. He is knowledgeable, responsive, and truly cares about helping clients find the best options.
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.
Nicest most trust worth local guy!!! 1000% confidence in him!!
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
Amazing experience! Carlos was very quick to respond and very approachable throughout the entire approval process. Thank you for facilitating getting our dream home!
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...
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.
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...
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...
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