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https://www.embracehomeloans.com/location/delaware/delmar/wendy-smith
Senior Loan Officer NMLS# 1155006
Wendy Smith is a trusted mortgage professional in Delmar, DE 19940
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...
2025 Coastal Style
5.0 (5.0 stars)
Dolores D. from Milton, DE
Completed transaction in September 01, 2026
We recently worked together on a challenging transaction where the buyers' first loan fell through. Instead of letting the deal collapse, Wendy stepped up, got incredibly creative, and jumped through endless hoops to secure a solution. What impressed me most was her dedication to my clients. She kept them calm and reassured during an incredibly stressful time. Her communication was flawless—she updated us constantly, even when she only had tough news to share. She is a true partner who fights for her clients and delivers results when it matters most. I will absolutely be sending more clients her way!
5.0 (5.0 stars)
Angelia G. from Rehoboth Beach, DE
Completed transaction in September 01, 2026
Wendy was great! She answered many question and fully explained many things to me as I was a first time homebuyer! I have already referred her to others!
5.0 (5.0 stars)
Susan S. from Milton, DE
Completed transaction in August 27, 2026
Wendy and her team made the mortgage process simple! Clear communication and readily available when I needed them. Highly recommend to family and friends!
5.0 (5.0 stars)
Michael S. from Milford, DE
Completed transaction in August 25, 2026
Mrs. Wendy was there to walk me through every step or the
5.0 (5.0 stars)
Beth B. from Milton, DE
Completed transaction in August 24, 2026
Wendy was on top of every aspect of the process and her communication was outstanding.
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Explore your options and take advantage of your mortgage opportunities
APPLY NOWYes. 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.
4.93 (318 Reviews)
