Wendy Smith

Wendy Smith

Senior Loan Officer   NMLS# 1155006

orange star4.91 (523 Reviews)

5 stars

Wendy Smith is a trusted mortgage professional in Delmar, DE 19940

About Wendy

We are pleased to welcome Loan Officer, Wendy Smith to the Embrace Home Loans family.  Prior to joining Embrace, Wendy was an account executive for a wholesale mortgage lender.  She brings over eight years of experience with her and looks forward to sharing her knowledge and insight wi...

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2025 Coastal Style

2025 Coastal Style

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See what other homeowners have to say about me
  • 5 (5 stars)

    Wendy is so responsive and just a pleasure to work with. She always returns calls and emails and keeps you informed as to how the loan is moving along. She's the best

  • 5 (5 stars)

    The transaction went smoothly because of Wendy's attention to detail and great communication.

  • 5 (5 stars)

    Wendy was attentive and very helpful throughout the process. She and her staff were pleasant and easy to work with.

  • 4 (4 stars)

    Communicative and friendly! Very easy to work with! Made wverythung very easy!!

  • 5 (5 stars)

    Attentive. Thorough. Timely.

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Wendy Smith

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Frequently asked questions

Yes. Wendy Smith 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 Wendy Smith at our Delmar 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 Delmar 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, Wendy Smith is here to help you reach your goals.

Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Wendy Smith 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. Wendy Smith will walk you through your options and help you find the right fit.

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