https://www.embracehomeloans.com/media/hdsl4cem/msmerdon_bio72.jpg
https://www.embracehomeloans.com/location/new-hampshire/salem/mackenzie-smerdon
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)
Amanda B. from Salem, NH
Completed transaction in August 21, 2026
Mackenzie and her team were infulential in my buyers getting into this home from her fast communication with the buyers then sellers agent and being available throughout the process to make it seamless. Mackenzie truly cares about each buyer no one is just a number
5.0 (5.0 stars)
Michael Marquis .
Completed transaction in August 21, 2026
5.0 (5.0 stars)
Michael M. from Hudson, NH
Completed transaction in August 21, 2026
The comunacation was spot on Mackenzie did a great job with a hard exeperiance thenk you Mackenzie
5.0 (5.0 stars)
Deena DiIorio .
Completed transaction in August 20, 2026
I cannot express how incredible working with Mackenzie was. My fiancé and I closed in 20 days, and that could not have happened without her. Mackenzie is knowledgeable, prompt, professional, transparent, and also just an incredibly kind human being. Buying a house was seamless, she walked us through each step and made sure we were comfortable every step of the way. We will be exclusively using her for the future! She went above and beyond for my fiancé and I. Thank you so much Mackenzie & Embrace team!
5.0 (5.0 stars)
Deena D. from Goffstown, NH
Completed transaction in August 20, 2026
Mackenzie and her entire team are TOP TIER. She was kind, responsive, professional, organized, knowledeable, and all in all we had an exceptional buying experience with Mackenzie. I will be using her exclusively in the future. I cannot thank her enough for all of her efforts! we closed on our beautiful home in 20 days & I owe it all to 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 (133 Reviews)
