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Joni Hamlett

Virginia - Lynchburg

103A Paulette Circle

Lynchburg VA 24502


About Joni

Joni Hamlett returns to Embrace after working with the team for nine years, taking a year off to work with Loan Depot, and previously working for 30 years prior to that as a Sales Manager, Sr. Loan Officer, and Branch Manager at Wachovia Bank. With her decades of experience in the mortgage industry, she’s adept at guiding clients through the process of realizing their dreams of homeownership.

Joni has been a President’s Club Member for eight consecutive years, ranked in the top 100 mortgage lenders in the nation for USDA loan originations, and was an esteemed member of the Million Dollar Club at Wachovia Bank for 15 consecutive years. Joni is also President of Commonwealth Business Associates, a Board Member of Lynchburg Affiliates Group of Lynchburg Associates of REALTORS®, and a Member of the Central VA Business Coalition. She looks forward to finding the perfect loans for the Cornerstone, Wyndhurst, Trent’s Landing, and Farmington neighborhoods and surrounding areas.

Joni currently lives in Lynchburg, Virginia, but grew up – well, all over. As the daughter of a father in the Air Force, she had the opportunity to see different areas of the United States and England, which also opened doors to travel throughout Europe. She attended Virginia Tech and Virginia Commonwealth University, and is a graduate of the American Institute of Banking. Joni’s family consists of her loving husband Steve, who she’s been married to for 39 years, as well as their two sons and a grandson, as well as a dog named Bo, their beloved fur baby. In her free time, she loves to read and watch her grandson play sports. And her idea of the perfect day would be spending quality time with her family and friends.

Presidents Club Logo 2020

98% Customer Satisfaction Rating
Zillow 5 star rating
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender


  • 5.0

    5.0 Survey completed on May 07, 2021

    Review By Zane A. for Joni Hamlett

    Completed transaction in April 2021

    Every step was explained and if we had a question it was answered. We were never left in the dark and the experience was extremely helpful and I will be referring friends to Joni hamlett

  • 5.0

    5.0 Survey completed on May 05, 2021

    Review By Chandler H. for Joni Hamlett

    Completed transaction in April 2021

    Joni was knowledgeable and thorough throughout the whole process of us working together. Her communication and promptness was stellar, and made the mortgage loan process extremely simple. I would definitely recommend working with her if you are in the home buying market.

  • 5.0

    5.0 Survey completed on May 04, 2021

    Review By Sonya D. for Joni Hamlett

    Completed transaction in April 2021

    Joni was the ultimate professional and very communicative during the entire process. Joni explained everything in detail and was prompt with all communication. I will be recommending her to any and everyone I know!

  • 5.0

    5.0 Survey completed on May 03, 2021

    Review By Jose B. for Joni Hamlett

    Completed transaction in April 2021

    I Want to thanks joni hamlett I had the opportunity to use her services twice and has Ben a grateful to work with her!

  • 5.0

    5.0 Survey completed on May 01, 2021

    Review By Lindsay S. for Joni Hamlett

    Completed transaction in April 2021

    Very helpful and friendly!

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Home Purchases Dip, as Mortgage Rates and Prices Rise

Homebuyers took a break last week, as rates rose and prices continued their upward climb. According to the Mortgage Bankers Association, applications to purchase a home were down 3% from a week ago, marking the second consecutive week of declines. This happened as the average 30-year mortgage rate rose — from 3.17% to 3.18% —…

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