Wendy Smith

Wendy Smith

Senior Loan Officer   NMLS# 1155006

orange star4.91 (516 Reviews)

5 stars

Wendy Smith is a trusted mortgage professional in Delmar, DE 19940

About Wendy

We are pleased to welcome Loan Officer, Wendy Smith to the Embrace Home Loans family.  Prior to joining Embrace, Wendy was an account executive for a wholesale mortgage lender.  She brings over eight years of experience with her and looks forward to sharing her knowledge and insight wi...

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2025 Coastal Style

2025 Coastal Style

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See what other homeowners have to say about me
  • 5

    Very responsive to my questions in a quick manner. I am not from the state of DE and educated me in the lending ways of DE.

  • 5

    Wendy is responsive, very through and she keeps you up to date every step of the way.

  • 5

    Wendy is a great partner. She has assisted my clients in many ways and is always available. I am grateful to be working with her.

  • 5

    Wendy was on point with everything from calls, texts. & emails She made the whole process seamless Thank you again wendy

  • 5

    Worked woth us to make our closing date

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Delmar, DE Mortgage Loan Officers

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Frequently asked questions

Yes. Wendy Smith can help you explore low and no down payment options, including FHA, VA, USDA, and exclusive Embrace programs. You may also qualify for local or state assistance depending on your income and location.

Getting pre-approved is simple. You can apply online, schedule a call, or meet with Wendy Smith at our Delmar branch. We’ll review your income, credit, and homebuying goals, then issue a personalized pre-approval letter. Many buyers choose Embrace’s exclusive Approved to Move program, which goes beyond standard pre-approval by fully underwriting your loan upfront.

Embrace Home Loans is a trusted mortgage lender serving Delmar and nearby communities. Our local loan officers offer personalized guidance, competitive rates, and exclusive loan programs designed to support homebuyers from pre-approval through closing. Whether you're a first-time buyer or refinancing, Wendy Smith is here to help you reach your goals.

Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Wendy Smith will help you compare fixed vs. adjustable rates, down payment requirements, and loan terms and guide you toward the best fit for your situation, whether you're buying your first home or your fifth.

The best mortgage depends on your credit, income, and long-term financial plans. Government-backed loans often offer flexible guidelines, while conventional loans may offer lower rates and reduced fees. Wendy Smith will walk you through your options and help you find the right fit.

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