Laynet Ibarra is a dedicated, bilingual (Spanish-English) Loan Originator with Embrace Home Loans in Sandy Spring, MD, licensed in MD, DC, and soon VA. Specializing in first-time homebuyers, Laynet leverages her processing background to expertly guide clients through every step, from pre-qualification to successful settlement. Her personalized approach, built on understanding individual needs, results in customized mortgage solutions and a high referral rate. Laynet offers Conventional, FHA, My Community, CDA, VA, USDA, and Jumbo programs. Contact Laynet at 240-988-3902 for expert mortgage advice. NMLS# 214250.