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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
2026 5 Star Mortgage Professional Award
5 (5 stars)
Ellen J. from Vienna, VA
Completed transaction in June 27, 2026
Meredith is knowledgeable and a great advocate tor for her clients.
5 (5 stars)
Sean Johnson .
Completed transaction in June 19, 2026
Meredith is extremely knowledgeable, attentive to details, and always places the client first. We have used her multiple times and have been extremely satisfied throughout the entire processes.
5 (5 stars)
Sean J. from Vienna, VA
Completed transaction in June 18, 2026
Meredith is outstanding throughout the entire process. Extremely thorough and always looking out for our best interest.
5 (5 stars)
Kevin O'Grady .
Completed transaction in June 18, 2026
Meredith has always addressed the concerns of my clients and I would recommend her to anyone seeking financing.
5 (5 stars)
Kevin O. from Templeton, MA
Completed transaction in June 18, 2026
Meredith took the time and had the patience to address the questions and concerns of 2 nervous first time home buyers. Her conversations were grounded and set them at ease.
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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 (261 Reviews)
