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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 (5 stars)
Cameron D. from Berlin, MD
Completed transaction in June 18, 2026
Wendy was upbeat, responded quickly, and was thorough in all the sceneriors. She kept the financing side of the transaction smooth and without any stress!
5 (5 stars)
Zachary P. from Lewes, DE
Completed transaction in June 17, 2026
Wendy was there every step of the way. Answered all my questions and even responded to calls and texts on weekends and after hours. She helped a single dad get back on his feet. I'm very satisfied and forever grateful for all her hard work a d dedication.
5 (5 stars)
Albert J. from Seaford, DE
Completed transaction in June 15, 2026
Working with Wendy was amazing! She is quick to communicate and was always available!
5 (5 stars)
Maria H. from Berlin, MD
Completed transaction in June 12, 2026
Wendy always immediately responds with an answer to our questions. She perfectly handled all of the steps throughout the process. It took away much of the stress of home-buying. This is our second time working with Wendy and the great experience was the same both times.
5 (5 stars)
Donna S. from Troutville, VA
Completed transaction in May 21, 2026
Wendy is what made the experience easy and she instilled confidence in us for the whole process. Great job, great service! Thank you!
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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.
4.92 (536 Reviews)
