---
canonical_url: https://lendb.ai/lo/ricardo-guido-1249316
json_url: https://lendb.ai/lo/ricardo-guido-1249316.json
nmls_id: 1249316
last_verified: 2026-10-09
---

# Ricardo Guido

Senior Loan Officer at Embrace Home Loans, Rockville, MD. NMLS ID 1249316 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1249316)).

**Summary:** Ricardo Guido (NMLS 1249316) is Senior Loan Officer at Embrace Home Loans, based in Rockville, MD. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists California, District of Columbia, Delaware, Maryland and Virginia on the lender page (not yet checked with the state regulator). Earliest state license record: April 9, 2020 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: April 9, 2020 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Pennsylvania (PA, confirmed), California (CA, lender_reported), District of Columbia (DC, lender_reported), Delaware (DE, lender_reported), Maryland (MD, lender_reported), Virginia (VA, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties


## About

Ricardo brings experience as a mortgage professional based in Rockville. Prior to joining Embrace, he worked at Patriot Mortgage Corporation and is committed to smooth, detail-oriented client service throughout the loan process.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- role: Previously worked for Patriot Mortgage Corporation. Source: https://www.embracehomeloans.com/location/maryland/rockville/ricardo-guido, verified 2026-10-09.
- service_area: Silver Spring, Maryland area. Source: https://www.embracehomeloans.com/location/maryland/rockville/ricardo-guido, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO69500 | active | confirmed | 2020-04-09 | state_regulator | 2026-10-09 |
| PA | state_license | 76456 | active | confirmed |  | state_regulator | 2026-10-10 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| DC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| DE | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Embrace Home Loans (NMLS 2184), Rockville, MD. Source: https://www.embracehomeloans.com/location/maryland/rockville/ricardo-guido, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1249316

## Contact

- View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/maryland/rockville/ricardo-guido
- Office phone and Email on file: shown at https://lendb.ai/lo/ricardo-guido-1249316#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1249316
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- lender_site: https://www.embracehomeloans.com/location/maryland/rockville/ricardo-guido

Cite as: Ricardo Guido (NMLS 1249316), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/ricardo-guido-1249316, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._