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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)
Drew S. from Milford, DE
Completed transaction in August 20, 2026
Wendy was very responsive at all times, including weekends. She communicated clearly every step of the way with both me and my client. She found a program that was perfect in aiding my client with his down payment and closing costs. I will be recommending her to future buyers.
5.0 (5.0 stars)
Jennifer F. from Frankford, DE
Completed transaction in August 15, 2026
Communication was clear with no lag time in responses. The portal was easy to use and a great way to know where in the process things were.
5.0 (5.0 stars)
Stephanie D. from Wilmington, DE
Completed transaction in August 13, 2026
Wendy is always available, very knowledgeable and accurate. She ensures my clients full understand and addresses their concerns putting them at ease.
4.66 (4.66 stars)
Caleb C. from Lincoln, DE
Completed transaction in August 07, 2026
Communication, timely responses, information given.
4.83 (4.83 stars)
Lisa A. from Dagsboro, DE
Completed transaction in July 31, 2026
You put the pedal to the metal and got us to closing in 21 days
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I'll reach out personally when the numbers make sense for your situation.
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 (313 Reviews)
