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Joni Hamlett

Joni Hamlett

Senior Loan Officer
Phone: 434.237.5111
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About

As a mortgage professional here at Embrace Home Loans, I’m committed to helping each and every one of my customers reach their financial goals. Whether you’re looking to buy or refinance, I have the experience and resources to help make your dreams a reality. Contact me today and we’ll work together to find a solution that puts you on the path toward a better financial future.

Presidents Club 2016, 2015, 2014, 2013, 2012, 2011
 

 

Branch: Virginia - Lynchburg, 103A Paulette Circle, Lynchburg VA 24502

Joni Hamlett, NMLS# 234278 , is employed by Embrace Home Loans and is licensed in:
VA

Reviews (72 Reviews)

5.0
5.0 Survey completed on December 16, 2017
Reviewed By Charles Stalnaker for Joni Hamlett
Completed transaction in September 2017
Joni was awesome! My realtor sold me my first house, I trusted her and she recommended Joni. We wanted to close as soon as possible on the new home and she made this happen, 2-3 weeks early! Previous owners had closed the pool but she knew I wanted to jump in on closing day! So she got me a rubber duck pool thermometer and my wife our last name initial to hang on the front door!! Ms. Joni had all the T's crossed and I's dotted to make this a very wonderful and pleasant experience! Will do again!Joni was awesome! My realtor sold me my first house, I trusted her and she recommended Joni. We wanted to close as soon as possible on the new home and she made this happen, 2-3 weeks early! Previous owners had closed the pool but she knew I wanted t ...read full review
5.0
5.0 Survey completed on December 12, 2017
Reviewed By Craig Miller for Joni Hamlett
Completed transaction in December 2017
Joni was good about going over the details of what was needed from me information wise and it worked out in getting VA loan I thought was possibly not available. It was not stressful (at least on my part) and I would recommend Embrace and Joni to anyone I come across in need of home financing. Joni was good about going over the details of what was needed from me information wise and it worked out in getting VA loan I thought was possibly not available. It was not stressful (at least on my part) and I would recommend Embrace and Joni to an ...read full review
5.0
5.0 Survey completed on December 8, 2017
Reviewed By Amelia Cooper for Joni Hamlett
Completed transaction in November 2017
Joni was very helpful and knowledgeable. Not only did I get my house, but I learned a lot on the way. She also helped us get the best rate we could and she genuinely cared about us and our situation.
5.0
5.0 Survey completed on December 6, 2017
Reviewed By Theodore Young for Joni Hamlett
Completed transaction in October 2017
Joni's level of professionalism is outstanding. Our extended family employs Joni's services always when completing our home purchases. Joni always has the handle on 100% of the details to ensure the transaction is completed correctly.
5.0
5.0 Survey completed on December 5, 2017
Reviewed By Stephen Canterbury for Joni Hamlett
Completed transaction in November 2017
Couldn't have asked for a smoother experience. Joni made sure we understood everything every step of the way!!
5.0
5.0 Survey completed on December 2, 2017
Reviewed By Josiah Yost for Joni Hamlett
Completed transaction in November 2017
Joni went out of her way to make our purchase process fantastic!
5.0
5.0 Survey completed on November 23, 2017
Reviewed By Charles Lein for Joni Hamlett
Completed transaction in November 2017
Joni is not only a professional, but a truly nice person. She single-handedly made our experience completely positive and pleasant!
5.0
5.0 Survey completed on November 21, 2017
Reviewed By Brett Ashwell for Joni Hamlett
Completed transaction in November 2017
Great experience with Joni, her service was outstanding!
5.0
5.0 Survey completed on November 21, 2017
Reviewed By Meagan Bell for Joni Hamlett
Completed transaction in November 2017
This is my second time purchasing a home with Joni Hamlett and I received the same exceptional service this time as I did when I purchased my first home. Joni is extremely knowledgeable and really understands how to communicate with her clients. Not only is she an expert in her field but she is a wonderful person to work with as well. I look forward to working with Joni when I purchase my third home : )This is my second time purchasing a home with Joni Hamlett and I received the same exceptional service this time as I did when I purchased my first home. Joni is extremely knowledgeable and really understands how to communicate with her clients. Not ...read full review
5.0
5.0 Survey completed on November 10, 2017
Reviewed By Matthew Hoppes for Joni Hamlett
Completed transaction in November 2017
First off, after my dealings with Joni, I would hope to never have to work with anyone else. The level of professionalism and knowledge pertaining to he job was absolutely top notch. Joni was very friendly and pleasant to deal with. She was easily reached and quick to respond. Unfortunately, a slight snag on the location of our home lead to a setback on our loan. Joni worked in overdrive to take care of us. I would consider Joni family and would recommend her to anyone! You won't find better. First off, after my dealings with Joni, I would hope to never have to work with anyone else. The level of professionalism and knowledge pertaining to he job was absolutely top notch. Joni was very friendly and pleasant to deal with. She was easily re ...read full review
5.0
5.0 Survey completed on November 9, 2017
Reviewed By Molly Short for Joni Hamlett
Completed transaction in November 2017
Joni was amazing! We are young, first time home buyers and she made the process so smooth. We had a little bit of a last minute hiccup with our loan, and she communicated so well with us about everything that would happen next. She kept us in the loop, and she took such great care of us! I would definitely recommend her to others. We loved working with Joni!!! Joni was amazing! We are young, first time home buyers and she made the process so smooth. We had a little bit of a last minute hiccup with our loan, and she communicated so well with us about everything that would happen next. She kept us in the loo ...read full review
5.0
5.0 Survey completed on November 3, 2017
Reviewed By Ryan Fanning for Joni Hamlett
Completed transaction in October 2017
Everyone said buying a home is extremely difficult....Joni made it one of the easiest transactions I’ve ever had!
5.0
5.0 Survey completed on November 2, 2017
Reviewed By Jamie Pettus for Joni Hamlett
Completed transaction in October 2017
Joni was always there for us and walked us through the process, which we knew virtually nothing about as first time homebuyers. She knows her stuff and did a great job of making complicated information accessible to us. I don’t know how we could have had a better experience. Joni was always there for us and walked us through the process, which we knew virtually nothing about as first time homebuyers. She knows her stuff and did a great job of making complicated information accessible to us. I don’t know how we could ha ...read full review
5.0
5.0 Survey completed on November 2, 2017
Reviewed By Janie Zimmerman for Joni Hamlett
Completed transaction in October 2017
Joni was great! As a first time home buyer she reassured us and answered all of our questions (even the obvious ones). It was great to be able to text, email, or call, which made her very accessible. Relocating from Oregon to Virginia was stressful enough. We’re glad buying a home didn’t add too much stress to our move!Joni was great! As a first time home buyer she reassured us and answered all of our questions (even the obvious ones). It was great to be able to text, email, or call, which made her very accessible. Relocating from Oregon to Virginia was stressful e ...read full review
5.0
5.0 Survey completed on October 28, 2017
Reviewed By Hannah Monn for Joni Hamlett
Completed transaction in October 2017
She was absolutely the best. So helpful and knowledgeable about everything. I truly enjoyed working with her!
5.0
5.0 Survey completed on October 27, 2017
Reviewed By Jessica Hamlet for Joni Hamlett
Completed transaction in October 2017
Joni was always available to help me, she took time to explain everything and walk me through the process. She was very professional and easy to work with.
5.0
5.0 Survey completed on October 23, 2017
Reviewed By Debra Benoit for Joni Hamlett
Completed transaction in October 2017
Joni was so personable and she always had all the information ready and laid out and was able to answer any questions that we had! She also worked hard to get us a great mortgage rate!!
5.0
5.0 Survey completed on October 22, 2017
Reviewed By David Benoit for Joni Hamlett
Completed transaction in October 2017
Joni did a great job for us. Buying a house can be very scary, but Joni helped us all the way.
5.0
5.0 Survey completed on October 8, 2017
Reviewed By James Lawson for Joni Hamlett
Completed transaction in September 2017
Joni is so easy to work with and makes getting a loan so easy .
5.0
5.0 Survey completed on October 4, 2017
Reviewed By Phillip Harmsen for Joni Hamlett
Completed transaction in September 2017
She was kind and thoughtful. She was there at almost any time I needed to call her for a question. She let me know exactly what I needed to do to get things ready and I was able to accomplish the entire process easily as a result.
4.0
4.0 Survey completed on September 27, 2017
Reviewed By Dale Myers for Joni Hamlett
Completed transaction in September 2017
Being a first time buyer was giving all the info I needed on my purchase. Thank you
5.0
5.0 Survey completed on September 23, 2017
Reviewed By David Ramsey for Joni Hamlett
Completed transaction in September 2017
Joni helped by keeping us in the loop as we were traveling back and forth from CA to VA (3 trips). She coordinated with our realtor and the attorneys to keep things going smoothly. Many thanks, Dave and Sandy
5.0
5.0 Survey completed on September 6, 2017
Reviewed By Kenneth Austin for Joni Hamlett
Completed transaction in August 2017
Joni is a really awesome person to deal with. She is very helpful and knowledgeable when your working with her. She never pushed anything own me just explained everything very detailed and let me make my own choice. Couldn't have asked to work with anyone better. Joni is a really awesome person to deal with. She is very helpful and knowledgeable when your working with her. She never pushed anything own me just explained everything very detailed and let me make my own choice. Couldn't have asked to work with a ...read full review
5.0
5.0 Survey completed on September 4, 2017
Reviewed By Cheryl Merchant for Joni Hamlett
Completed transaction in August 2017
Joni's vast knowledge, competency and efficiency combined with a very pleasant welcoming demeanor makes one feel comfortable from the get-go.
5.0
5.0 Survey completed on September 2, 2017
Reviewed By Casey Lewis-Cole for Joni Hamlett
Completed transaction in August 2017
Joni was great at walking me through my first home purchase!
5.0
5.0 Survey completed on September 1, 2017
Reviewed By Richard McCune for Joni Hamlett
Completed transaction in August 2017
Joni made buying my first home a joyful experience! With her expertise and knowledge I was able to find a loan I could afford. I would highly recommend Joni to anyone who's looking to buy a home, she gets the job done!
4.0
4.0 Survey completed on August 21, 2017
Reviewed By Robin Caldwell for Joni Hamlett
Completed transaction in August 2017
Joni was very easy to work with and helped to make this a pleasant experience.
5.0
5.0 Survey completed on August 20, 2017
Reviewed By Pierce Caldwell for Joni Hamlett
Completed transaction in August 2017
Joni was so helpful in every part of the process. She took the time to explain everything and provide the best loan option for us. When something happened in our personal life, Joni provided an alternate loan that would most suit our needs. She explained all the details of the loan to a language that we could understand. She also made the process very easy, giving us steps to take so that we would be ready to close on the closing date. At closing, we were given a house warming gift to top it offJoni was so helpful in every part of the process. She took the time to explain everything and provide the best loan option for us. When something happened in our personal life, Joni provided an alternate loan that would most suit our needs. She expla ...read full review
5.0
5.0 Survey completed on August 19, 2017
Reviewed By Matthew Davis for Joni Hamlett
Completed transaction in August 2017
Joni walked us through all the paperwork and went out of her way to get things done.
5.0
5.0 Survey completed on August 18, 2017
Reviewed By William Anderson for Joni Hamlett
Completed transaction in August 2017
Joni was a pleasure to work with. She was always so nice and willing to help. She would answer all our questions even after work hours. This was our 2nd time working with her and we would do it again in a heartbeat.
5.0
5.0 Survey completed on August 12, 2017
Reviewed By Cornelius Sabugo for Joni Hamlett
Completed transaction in August 2017
Great!!!!! to work with... very professional
5.0
5.0 Survey completed on August 2, 2017
Reviewed By Ronald Moore for Joni Hamlett
Completed transaction in July 2017
Joni was very helpful and provided lots of information. She made our entire experience stress free and fun! Thanks Joni!
5.0
5.0 Survey completed on July 29, 2017
Reviewed By Katie Minso for Joni Hamlett
Completed transaction in July 2017
Joni is great to work with! It put me at east knowing how knowledgeable she is about the loan process. I would recommend her to friends without hesitation.
5.0
5.0 Survey completed on July 28, 2017
Reviewed By Sandi Codrea for Joni Hamlett
Completed transaction in July 2017
Thanks to Joni so many of my clients have been able to purchase their dream home!! At our last closing together our first time homebuyer gave us the best compliment "My friends and family warned me how hard the buying process would be - thanks to you, it was so easy!!"Thanks to Joni so many of my clients have been able to purchase their dream home!! At our last closing together our first time homebuyer gave us the best compliment "My friends and family warned me how hard the buying process would be - thanks to yo ...read full review
5.0
5.0 Survey completed on July 28, 2017
Reviewed By Sarah Letterman for Joni Hamlett
Completed transaction in June 2017
Joni helped me every step of the way in purchasing my new home. She was very knowledgeable and explained things very well. She made the process very smooth! I will recommend her to other people who need the same help!
5.0
5.0 Survey completed on July 17, 2017
Reviewed By Jonathan Susman for Joni Hamlett
Completed transaction in June 2017
From the first phone call, Joni made the loan process easy to understand and navigate. She was knowledgeable and used that knowledge for my benefit constantly, through explaining often-neglected details and giving helpful advice. To top it all off, Joni covered part of the closing costs as a professional courtesy, and even gave a beautiful wood welcome sign as a congratulations gift. I would highly recommend Joni Hamlett to anyone looking for a home loan.From the first phone call, Joni made the loan process easy to understand and navigate. She was knowledgeable and used that knowledge for my benefit constantly, through explaining often-neglected details and giving helpful advice. To top it all off, ...read full review
5.0
5.0 Survey completed on July 16, 2017
Reviewed By Steven Letterman for Joni Hamlett
Completed transaction in June 2017
Friendly, very helpful, very knowledgeable. Great experience! Thank you so much!!
5.0
5.0 Survey completed on July 16, 2017
Reviewed By Rudolph Morris for Joni Hamlett
Completed transaction in June 2017
Joni walked me through the entire process. I never felt in the dark.
5.0
5.0 Survey completed on July 16, 2017
Reviewed By Brian Morgan for Joni Hamlett
Completed transaction in June 2017
Joni was always there for us day or night.
5.0
5.0 Survey completed on July 15, 2017
Reviewed By Simone Morgan for Joni Hamlett
Completed transaction in June 2017
She was very personable and professional. She provided excellent advice and always made time for us. She was a pleasure to work with and I definitely would recommend her services!
5.0
5.0 Survey completed on July 13, 2017
Reviewed By George Roper for Joni Hamlett
Completed transaction in June 2017
Joni was so nice and helpful. She also maintained good communication throughout the process. Thank you so much!
5.0
5.0 Survey completed on July 13, 2017
Reviewed By Phyllis Humay for Joni Hamlett
Completed transaction in June 2017
This was a very long and tedious loan process. Joni and her team were fantasic through the whole ordeal. She was on top of ever situation that arose. I can't say enough about how pleased we were with the professionalism with which they handled everything. We highly recommend Joni and Embrace Home loans. You can't go wrong!!!This was a very long and tedious loan process. Joni and her team were fantasic through the whole ordeal. She was on top of ever situation that arose. I can't say enough about how pleased we were with the professionalism with which they handled every ...read full review
5.0
5.0 Survey completed on July 13, 2017
Reviewed By Melanie Glass for Joni Hamlett
Completed transaction in June 2017
Joni was amazing to work with & made the loan process much easier than I anticipated. She was on top of everything in this busy season and was quick to follow up on any questions we had. Thank you so much!
5.0
5.0 Survey completed on June 30, 2017
Reviewed By Robert Emerson for Joni Hamlett
Completed transaction in May 2017
Joni was so friendly and was a great comfort during the process. I never had to worry about anything.
5.0
5.0 Survey completed on June 27, 2017
Reviewed By Gordon Thomas for Joni Hamlett
Completed transaction in June 2017
Joni kept me at ease, with the process of the home loan. Her communications was clear and understandable on what she needed to process the loan. Great job Joni myself and family thanks you for all you did.
5.0
5.0 Survey completed on April 22, 2017
Reviewed By Jonny New Home Owner for Joni Hamlett
Completed transaction in April 2017
Best experience we have ever had !!
5.0
5.0 Survey completed on April 19, 2017
Reviewed By Mom from Forest for Joni Hamlett
Completed transaction in April 2017
Joni was awesome to work with and patient with me taking me through each part of the process step by step. A class act and I would work with her again without hesitation!
5.0
5.0 Survey completed on April 12, 2017
Reviewed By Shay for Joni Hamlett
Completed transaction in April 2017
Joni was fantastic. She communicated everything effectively and often. Any time I had a question she was quick to answer. Using the online system for documentation made the process efficient.
5.0
5.0 Survey completed on April 3, 2017
Reviewed By Jaime for Joni Hamlett
Completed transaction in April 2017
Every time we met with Mrs. Hamlett she made us feel at ease with buying our first home. If we did not understand something at any point in the process she would stop and explain it fully to us and made it more clear. Excellent service and would highly recommend Mrs. Hamlett to anyone looking to purchase a home!Every time we met with Mrs. Hamlett she made us feel at ease with buying our first home. If we did not understand something at any point in the process she would stop and explain it fully to us and made it more clear. Excellent service and would hi ...read full review
5.0
5.0 Survey completed on March 31, 2017
Reviewed By Bobby for Joni Hamlett
Completed transaction in March 2017
The services Joni presented to me was very helpful and awesome and she made this dream come true for my daughter and I I'm so thankful for her and Lynn both
5.0
5.0 Survey completed on March 29, 2017
Reviewed By Josh for Joni Hamlett
Completed transaction in March 2017
Easy from start to finish and will definately use Joni in the future.
5.0
5.0 Survey completed on March 9, 2017
Reviewed By WIl Parsons for Joni Hamlett
Completed transaction in March 2017
Every need we had she took care of!
5.0
5.0 Survey completed on March 2, 2017
Reviewed By Mom of teens for Joni Hamlett
Completed transaction in March 2017
The loan process was not a breeze! However, Joni "held my hand" throughout the process, and I felt that she "had my back!" Thank you so much Joni for working with me and getting me into my new home! Many blessings to you!
5.0
5.0 Survey completed on February 21, 2017
Reviewed By Kristina for Joni Hamlett
Completed transaction in February 2017
Joni was extremely helpful throughout the entire process. Our house closing ended up being delayed for over 6 months but she was there through the whole process. I could tell that she was always looking out for our best interest.
5.0
5.0 Survey completed on February 8, 2017
Reviewed By Jami Z for Joni Hamlett
Completed transaction in February 2017
Throughout the whole process of looking for a home (9 months to be exact) - Joni Hamlett was there every single step of the way and always just a phone call or text away to answer any questions I may have had. The whole embrace team made sure that everything was taken care of in a timely fashion and I could not be more grateful!Throughout the whole process of looking for a home (9 months to be exact) - Joni Hamlett was there every single step of the way and always just a phone call or text away to answer any questions I may have had. The whole embrace team made sure that ev ...read full review
5.0
5.0 Survey completed on January 27, 2017
Reviewed By Amy for Joni Hamlett
Completed transaction in January 2017
This is the second time I have worked with Joni and would work with her again. She knows her profession and makes everything easy!
5.0
5.0 Survey completed on January 17, 2017
Reviewed By Allison for Joni Hamlett
Completed transaction in January 2017
My experience with Embrace Home Loans was better than I could have ever imagined. Joni was so helpful and made me so comfortable throughout the whole process.
5.0
5.0 Survey completed on November 10, 2016
Reviewed By the rockhound for Joni Hamlett
Completed transaction in November 2016
Joni make my home buying expereance stress free Pleasant and easy. This was my first home purchase she was extremely patient with me explain every aspect of the purchase. She contacted me regularly and kept me well informed right up to the day of the signing.Joni make my home buying expereance stress free Pleasant and easy. This was my first home purchase she was extremely patient with me explain every aspect of the purchase. She contacted me regularly and kept me well informed right up to the day of the ...read full review
5.0
5.0 Survey completed on October 2, 2016
Reviewed By Randall for Joni Hamlett
Completed transaction in October 2016
Great
5.0
5.0 Survey completed on September 15, 2016
Reviewed By just moved for Joni Hamlett
Completed transaction in September 2016
Joni was so easy to work with and she took care of everything. She made the process go so smoothly. it was a pleasure working with her.
5.0
5.0 Survey completed on August 2, 2016
Reviewed By Jason for Joni Hamlett
Completed transaction in August 2016
Joni was great to work with. If we had any questions, she would answer them promptly.
5.0
5.0 Survey completed on July 25, 2016
Reviewed By KC for Joni Hamlett
Completed transaction in July 2016
I LOVED working with Joni and Embrace Loans. I was a first time home buyer who had limited working knowledge of the home buying process. Joni took me under her wing and explained, in great detail, the loan/financing process. If I didn't understand something, she would explain it again...sometimes even with pictures. I HIGHLY recommend using Joni as your loan officer, especially if you were a newbie like me.I LOVED working with Joni and Embrace Loans. I was a first time home buyer who had limited working knowledge of the home buying process. Joni took me under her wing and explained, in great detail, the loan/financing process. If I didn't understan ...read full review
5.0
5.0 Survey completed on July 9, 2016
Reviewed By Fireboy for Joni Hamlett
Completed transaction in July 2016
My customer service experience was absolutely awesome. There was never a time when I felt the Joni was unable to be reached
5.0
5.0 Survey completed on July 8, 2016
Reviewed By boogiebones for Joni Hamlett
Completed transaction in July 2016
I have nothing but positive things to say about Joni Hamlett. She was very professional in her task as well as caring about me. Each step was explained; every piece of paperwork signed was explained completely. Joni did the extra step to find me the perfect loan. I knew what was happening each step along the way. A true blessing and I would not hesitate to work with her again and in fact have already recommended her to some of my friends.I have nothing but positive things to say about Joni Hamlett. She was very professional in her task as well as caring about me. Each step was explained; every piece of paperwork signed was explained completely. Joni did the extra step to find me th ...read full review
5.0
5.0 Survey completed on June 27, 2016
Reviewed By Penny and Larry for Joni Hamlett
Completed transaction in June 2016
My husband and I have worked with Joni Hamlett before and she is totally an outstanding loan officer. She and her loan processor, Donna Coffee were always prompt to any questions you may have. We loved being able to do much of this process electronically. Joni and her staff are excellent!!My husband and I have worked with Joni Hamlett before and she is totally an outstanding loan officer. She and her loan processor, Donna Coffee were always prompt to any questions you may have. We loved being able to do much of this process electronic ...read full review
5.0
5.0 Survey completed on June 17, 2016
Reviewed By Two Times the Customer for Joni Hamlett
Completed transaction in June 2016
If you are looking for a home mortgage loan, Embrace is the place. It's really a no-brainer. The entire team is professional and caring. Joni Hamlett excels at customer service. I have used them twice and both times it was a very positive experience.If you are looking for a home mortgage loan, Embrace is the place. It's really a no-brainer. The entire team is professional and caring. Joni Hamlett excels at customer service. I have used them twice and both times it was a very positive experienc ...read full review
5.0
5.0 Survey completed on June 16, 2016
Reviewed By Amber for Joni Hamlett
Completed transaction in June 2016
Experience was great always made me feel important and always got back to me quickly! I would recommend her to anyone!!
5.0
5.0 Survey completed on June 1, 2016
Reviewed By Ryan Kindt for Joni Hamlett
Completed transaction in June 2016
Joni was tremendous and walked us through the loan process step by step. She was always quick to respond and even go out of her way to assist us. She made the process so easy.
5.0
5.0 Survey completed on May 26, 2016
Reviewed By Tory for Joni Hamlett
Completed transaction in May 2016
Joni made the entire experience easy to understand and actually enjoyable. She is extremely knowledgeable and so personal - working with her felt like family! I always knew that she had my best interest at heart.
5.0
5.0 Survey completed on April 27, 2016
Reviewed By Kris & Amber for Joni Hamlett
Completed transaction in April 2016
Joni was amazing women to work with!! Kept us very up to date on everything! On time with everything! Would recommend her to everyone! Sweetest lady!!
5.0
5.0 Survey completed on April 27, 2016
Reviewed By Joni the great for Joni Hamlett
Completed transaction in April 2016
Terrific!
5.0
5.0 Survey completed on April 27, 2016
Reviewed By Mary Ann for Joni Hamlett
Completed transaction in April 2016
Very friendly, thorough, and efficient. Quick closing, painless signing. Very grateful for all answered questions and very patient.

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