Wendy Smith

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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See what other homeowners have to say about me
  • 5.0 (5.0 stars)

    From the very beginning, even before we were officially working with Wendy, she was extremely communicative and helpful. That same professional and courteous behavior was consistent throughout our experience.

  • 5.0 (5.0 stars)

    Wendy is professional, responsive and kind. I know we are going to get to the closing table and she makes me look good since I referred her to my clients.

  • 5.0 (5.0 stars)

    Wendy was amazing. Will be recommending her to everyone. She went over and above for my not only my client but for myself as well. Thanks so much for everything Wendy!

  • 4.83 (4.83 stars)

    Wendy was very knowledgeable and attentive throughout the entire process. She made the experience stress free. As a busy business owner I really appriciate that. I had been dreading the process thinking it would be more added to my already full plate. She lead me through the processs highlighting the important collectables she needed from me and followed up to ensure I was ontrack every step of the way. She was there to help when alot of other mortage lenders didn't want to be bothered. Owning a business comes with challanges when trying to obtain a mortage and she was committed to ensuring I was was able to get into my new home. Thank you Wendy! Your the best.

  • 5.0 (5.0 stars)

    Having not purchased a home for many years, there was much to navigate and learn on the fly. A very dynamic process, and at times a roller-coaster. Wendy did a fantastic job not only keeping things on track, but also answering my many questions, explaining critical things in a manner I could understand, and keeping things on track. She was awesome!! Many thanks ☺

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Wendy Smith

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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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