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Meredith Spence - Mortgage Loan Officer - NMLS# 404506 - Branch Manager | NMLS 404506 in Boston, MA
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Meredith Spence - Mortgage Loan Officer - NML...

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Branch Manager | NMLS 404506

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Meredith Spence (NMLS #404506) is a premier mortgage loan officer and local lending expert in Boston, Massachusetts. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Meredith provides comprehensiv... Show More
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  • SFTP
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    Camille H
    Bedford, NH
    Posted on May 4th, 2026 12:42 PM
    Every step of the process was clearly communicated, easy to complete and timely. Meredith was fantastic!
    Reply from Meredith Spence - Mortgage Loan Off...
    May 4th, 2026 12:58 PM
    Hi Camille, glad we could help! I hope all goes well with your Florida purchase. Don't hesitate to reach out to me with any questions regarding your mortgage with us. It has been a pleasure assisting you.
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    Travis R
    Stowe, VT
    Posted on April 22nd, 2026 12:19 PM
    Meredith was great!
    Reply from Meredith Spence - Mortgage Loan Off...
    May 4th, 2026 12:56 PM
    Glad we could get this done for you! Hope all the other pieces fall into place.
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    Stephen F
    Quincy, MA
    Posted on April 20th, 2026 08:12 PM
    Meredith and team were responsive and helpful.
    Reply from Meredith Spence
    April 20th, 2026 08:49 PM
    Hi Stephen, it was a pleasure assisting you again. So glad that rates cooperated and we were able to refinance you to a lower rate! Thank you for your "repeat business". Hopefully we'll be able to do it again!
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    Jeannine M
    Quincy, MA
    Posted on April 20th, 2026 12:23 PM
    Meredith is the quintessential mortage professional. She is proactive, knowledgeable, and genuinely cares about delivering the best mortgage experience to her clients. We chose Embrace Home Loans for our mortgage refinance because of our outstanding...
    read more
    Reply from Meredith Spence
    April 20th, 2026 08:51 PM
    Hi Jeannine, thank you for your feedback. It means a lot to me that you feel this way, and I appreciate you sharing it. Always a pleasure working with you! Hopefully the interest rates will cooperate so that we can do it again sometime in the...
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    David P
    E Bridgewater, MA
    Posted on April 10th, 2026 01:44 PM
    Meredith's communication, responsiveness and knowledge are amazing. She's simply the best.
    Reply from Meredith Spence
    April 20th, 2026 08:53 PM
    Thank you for your feedback Dave! I'm so glad you feel that way. Hope you two have a wonderful summer - and perhaps we'll be able to do this all over again at some point in the future if rates cooperate. Please keep me in mind if any friends,...
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    Mary F
    Kennebunk, ME
    Posted on April 4th, 2026 01:38 PM
    Meredith was great at communication and giving direction and even handling the last minute addition of having the ownership be our trust
    Reply from Meredith Spence
    April 20th, 2026 06:26 PM
    I'm glad I could assist you, Mary. It was important to ensure clear communication and handle any last-minute changes smoothly, like adding your ownership to the trust. If there's anything else you need, please let me know.
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    Andrea L
    Kennebunk, ME
    Posted on April 1st, 2026 01:07 PM
    So grateful for Meredith's detailed attention to client needs and responsiveness!
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    Tammy E
    Ipswich, MA
    Posted on March 31st, 2026 01:39 PM
    This is our second time working with Meredith, and once again, it was a stellar experience. Meredith clearly communicates expectations and follows up throughout the entire process to ensure that everything goes smoothly.
    Reply from Meredith Spence
    April 15th, 2026 01:39 PM
    Thank you for your kind words, Tammy. I'm glad to hear that your second experience with me was just as positive as the first. Clear communication and consistent follow-ups are key to ensuring a smooth process, and it's appreciated to know they...
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    Shirley A
    Concord, MA
    Posted on March 26th, 2026 04:00 PM
    She explained the process clearly and gave great advice.
    Reply from Meredith Spence
    March 31st, 2026 02:33 PM
    Thank you for your feedback Shirley! Always a pleasure. You definitely locked at the right time! Hopefully we can do this again at some point in the future.
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    Jason C
    Concord, MA
    Posted on March 26th, 2026 03:20 PM
    Everything was great -- Meredith and team kept us informed throughout the entire process.
    Reply from Meredith Spence
    March 31st, 2026 02:32 PM
    Glad you were happy with the process Jason! You definitely locked at the right time. Hopefully we can do this again at some point in the future.
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    About
    Meredith Spence (NMLS #404506) is a premier mortgage loan officer and local lending expert in Boston, Massachusetts. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Meredith provides comprehensive home financing solutions with Embrace Home Loans. Meredith, The Mortgage Lady®, brings a wealth of experience and expertise in mortgage origination. She has closed over $3 Billion in residential mortgage loans and assisted over 7,500 customers with their home financing. Meredith is a perennial President’s Club Member and 5-Star Professional award-winner. Contact Meredith today to explore your home loan options and get pre-approved!
    Products & Services
    Mortgage Loan Officer
    FHA Home Loan
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    Positions
    • Embrace Home Loans - Branch Manager
      Dec 28th, 2021 - Current

    Year Started

    2021

    Time Zone

    Eastern Standard Time (EST)
    Licenses
    • NMLS 404506
    Videos
    video
    Awards
    Five Star Mortgage...
    Chairman's Club
    President's Cllub
    Disclaimer
    Equal Housing Lender

    Embrace Home Loans, LLC. is an Equal Housing Lender

    Embrace Home Loans, LLC. | NMLS ID # 2184
    25 Enterprise Center | Middletown, RI 02842 | Toll Free: 833-242-5820

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    Embrace Home Loans, Inc. NMLS ID # 2184 is licensed in AL, AZ (Lic.#BK-0906375), AR, CA Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, CO (Lic.#096162) Regulated by the Division of Real Estate, CT, Licensed by the Delaware State Bank Commissioner to engage in business in Delaware (Lic.#7317, Exp.12/31/2017), DC, FL, GA (Lic.#12848), ID, Illinois Residential Mortgage Licensee, IN, IA, KS, Supervised Lender Licensee (#SL0000625), KY, LA, ME, MD, MA Mortgage Lender & Mortgage Broker (Lic.#MC2184), MI, MN, Mississippi Licensed Mortgage Company, MO, NE, Licensed by the New Hampshire Banking Department, Licensed by the New Jersey Department of Banking and Insurance, NM, NY Licensed Mortgage Banker - NYS Department of Financial Services, NC, ND, OH, OK, OR (Lic.#ML322), PA, Rhode Island Licensed Mortgage Lender and Mortgage Broker, SC, SD, TN, TX, UT, VA, WA, WV, WI.