https://www.embracehomeloans.com/media/hdsl4cem/msmerdon_bio72.jpg
https://www.embracehomeloans.com/location/new-hampshire/salem/mackenzie-smerdon
Business Hours: 9:00 am - 5:00 pm Mon-Fri
Senior Loan Officer NMLS# 2168053
Mackenzie Smerdon is a trusted mortgage professional in Salem NH 03079
Kenzi Smerdon brings extensive experience and a reputation for exceptional service to her role as Senior Loan Officer at Embrace. With a steadfast commitment to transparency, Kenzi ensures her clients feel informed and empowered throughout the home-buying journey. Her deep knowledge of the mortg...
2025
5.0 (5.0 stars)
Emily C. from Goffstown, NH
Completed transaction in September 23, 2026
Mackenzie was fantastic to work with! My buyer worked with her to finance her new home purchase and I always was able to reach her. She was positive, professional and made sure everything with the loan was taken care of. I would highly recommend her to anyone looking for a great local lender who knows their market!!!
5.0 (5.0 stars)
Matthew J. from Goffstown, NH
Completed transaction in September 21, 2026
The entire experience was handled with professionalism and communication that helped keep my wife mostly calm throughout one of the most stressful times in our lives.
5.0 (5.0 stars)
Erin D. from Goffstown, NH
Completed transaction in September 18, 2026
was always available she was on top of things. She made a dream of mine come true that I didn't think was possible after another lender told me no and wouldn't even give me the time a day. She is amazing at what she does you can tell that she is genuine and real and really loves her job.
5.0 (5.0 stars)
Britni Swansen .
Completed transaction in September 09, 2026
I can’t say enough good things about Mackenzie. She was incredibly easy to reach, always quick to respond, and made the entire process so simple. Anytime I needed an updated pre-approval while house hunting, she had it to me almost instantly, which was a huge help. Everything moved so quickly that we were actually able to move our closing up by a full week! I’m so grateful for all her help and would absolutely recommend her.
5.0 (5.0 stars)
Britni S. from Newton, NH
Completed transaction in September 09, 2026
I can’t say enough good things about Mackenzie. She was incredibly easy to reach, always quick to respond, and made the entire process so simple. Anytime I needed an updated pre-approval while house hunting, she had it to me almost instantly, which was a huge help. Everything moved so quickly that we were actually able to move our closing up by a full week! I’m so grateful for all her help and would absolutely recommend her.
Get on My Rate-Watch List
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. Mackenzie Smerdon 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 Mackenzie Smerdon at our Salem 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 Salem 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, Mackenzie Smerdon is here to help you reach your goals.
Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Mackenzie Smerdon 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. Mackenzie Smerdon will walk you through your options and help you find the right fit.
4.98 (143 Reviews)
