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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)
John G. from Marlborough, MA
Completed transaction in June 08, 2026
The commitment and dedication Embrace employees had to making sure the various steps were completed in my purchase.
5 (5 stars)
Colin H. from Norfolk, MA
Completed transaction in June 05, 2026
Meredith was a pleasure to work with! Thorough, reliable and dependable . A true expert in her field, will recommend to all!
5 (5 stars)
Michael Terra .
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)
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 .
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 each step 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!
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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 (255 Reviews)
