https://www.embracehomeloans.com/media/mqza1lup/wsmith_bio72.jpg
https://www.embracehomeloans.com/location/delaware/delmar/wendy-smith
Business Hours: 9:00 am - 5:00 pm Mon-Fri
Senior Loan Officer NMLS# 1155006
Wendy Smith is a trusted mortgage professional in Delmar, DE 19940
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...
2025 Coastal Style
5.0 (5.0 stars)
Denise K. from Lewes, DE
Completed transaction in October 13, 2026
Wendy is always so easy to work with1 She is professional and engaged and my clients really appreciate her positive attitude!
5.0 (5.0 stars)
William C. from Lewes, DE
Completed transaction in October 12, 2026
Wendy and her entire team were friendly, responsive, and competent. It just can't get any better than that !!
5.0 (5.0 stars)
Christine L. from Millsboro, DE
Completed transaction in September 16, 2026
Wendy is truly my go-to lender, and I can’t say enough wonderful things about working with her! I’ve had the pleasure of doing a lot of business with Wendy over the years, and she consistently goes above and beyond for my clients. She is knowledgeable, responsive, professional, and genuinely cares about making every transaction as smooth and stress-free as possible. I know that when I refer my buyers to Wendy, they are in the best hands. I highly recommend her to anyone looking for an exceptional lender!
5.0 (5.0 stars)
Anthony S. from Lewes, DE
Completed transaction in September 13, 2026
From the very beginning, even before we were officially working with Wendy, she was extremely communicative and helpful. That same professional and courteous behavior was consistent throughout our experience.
5.0 (5.0 stars)
Saro D. from Lewes, DE
Completed transaction in September 10, 2026
Wendy is professional, responsive and kind. I know we are going to get to the closing table and she makes me look good since I referred her to my clients.
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. 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.
4.93 (326 Reviews)
