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https://www.embracehomeloans.com/location/massachusetts/boston/meredith-spence
Branch Manager NMLS# 404506
Meredith Spence is a trusted mortgage professional in Boston, MA 02210
Meredith, The Mortgage Lady®, brings a wealth of experience and expertise in mortgage origination. She has closed over $3 Billion in residential mortgage loans and assisted over 7,500 customers with their home financing. Meredith is a perennial President’s Club Member and 5-Star Profes...
2025-2022
2025 5 Star Mortgage Professional Award
5 (5 stars)
Michael T. from Concord, MA
Completed transaction in May 31, 2026
From our very first interaction, when we were just getting started, Meredith was attentive, responsive, and incredibly helpful. That level of support remained consistent throughout the entire process. Even when challenges arose that were outside anyone’s control, she stayed calm, collected, and solution-oriented, always helping us find a path forward. Her professionalism, positivity, and commitment made a real difference. Simply put, she was awesome.
5 (5 stars)
Caroline H. from Norfolk, MA
Completed transaction in May 30, 2026
Meredith is an expert in her field that made our experience as first time homebuyers better than we could have imagined! She explained the process in a clear way and made the entire process seamless. We could always trust Meredith was handling the details! It was evident she had our best interest at heart and she took the time - even on weekends - to answer our questions. We cannot recommend Meredith enough. If you want to feel at peace buying a home, work with her!
5 (5 stars)
Liz D. from Norfolk, MA
Completed transaction in May 30, 2026
Meredith and her team are exceptional. They are on top of every detail. Meredith's knowledge of the financing market is unmatched and her ability to explain options to buyers is unmatched. Buyers feel educated and confident when working with Meredith. Couldn't have a better experience.
5 (5 stars)
Alieu T. from Kennebunk, ME
Completed transaction in May 28, 2026
Meredith is highly efficient and incredibly collaborative, keeping me informed and involved every step of the way.
5 (5 stars)
Abby Hanscom .
Completed transaction in May 27, 2026
Meredith is fantastic! She stayed with us through several bidding wars on properties until the best one came along and then we closed quickly and easily. Thank you Meredith for sticking with us for over a year on this process!
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Explore your options and take advantage of your mortgage opportunities
APPLY NOWYes. Meredith Spence 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 Meredith Spence at our Boston 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 Boston 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, Meredith Spence is here to help you reach your goals.
Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Meredith Spence 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. Meredith Spence will walk you through your options and help you find the right fit.
4.96 (250 Reviews)
