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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...
5 (5 stars)
Arianna P. from Hooksett, NH
Completed transaction in January 2026
Mackenzie was very responsive and helped support us through the process from the second we started searching for a house.
5 (5 stars)
Hali D. from Deerfield, NH
Completed transaction in February 2026
Mackenzie kept everyone informed throughout the transaction and everything went very quickly even with many contingencies! I have recommended her to quite a few people already.
5 (5 stars)
Colby F. from Deerfield, NH
Completed transaction in February 2026
Mackenzie was practically always available with any questions or concerns I had and was incredibly helpful and pleasant thoughout the entire home buying process. I would reccomend her to anyone!
5 (5 stars)
Kevin R. from Atkinson, NH
Completed transaction in January 2026
We had a great experience because Mackenzie was outstanding. Her communication was clear, timely, and professional throughout the entire process. She was attentive, knowledgeable, and made everything seamless from start to finish. Truly top-tier service—she made the experience great.
5 (5 stars)
Ludmila M. from Concord, NH
Completed transaction in December 2025
Mackenzie was always there and willing to answer any questions we had! Very knowledgeable and made sure to help us feel like we had someone on our side to help us through this journey! As first time home owners, we are very appreciative to feel like we had someone like Mackenzie there!
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.
4.99 (72 Reviews)
