Wayne Palkovic (NMLS #201581) is a premier mortgage loan officer and local lending expert in Martinsburg, West-Virginia. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Wayne provides comprehensive home financing solutions with Embrace Home Loans. 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. Wayne understands how stressful and confusing the homebuying process can be. Contact Wayne today to explore your home loan options and get pre-approved!