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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 March 06, 2021

    Review By Scott D. for Joni Hamlett

    Completed transaction in February 2021

    The entire process was very easy and any questions we had were answered quickly! Joni guided us through and we knew we were taken care of. We have recommended Joni before and will do so again. This was our second transaction with Joni and we had family members use Joni as well. Highly recommend her.

  • 4.0

    4.0 Survey completed on March 04, 2021

    Review By Charles B. for Joni Hamlett

    Completed transaction in February 2021

    Very professional, kind, concerned for our needs

  • 5.0

    5.0 Survey completed on March 03, 2021

    Review By Brittany B. for Joni Hamlett

    Completed transaction in February 2021

    Joni made the loan part of this process a breeze for us! We had hardly any questions and she was so knowledgeable and such a tremendous help. Really appreciate all of her hard work during this process.

  • 5.0

    5.0 Survey completed on March 02, 2021

    Review By William A. for Joni Hamlett

    Completed transaction in February 2021

    Joni is nice and friendly and ready to help any way she can. She has handled both of our home purchases and both home refinances.

  • 5.0

    5.0 Survey completed on March 01, 2021

    Review By Jeremy H. for Joni Hamlett

    Completed transaction in February 2021

    We loved Joni so much the first time we bought our house, we knew exactly who to call when we wanted to explore our refinance options. You can always count on Joni's professionalism and insight into the market. Her superior service keeps her customers coming back time and time again.

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Mortgage Rates, Applications Jump Thanks to Economic Optimism

Mortgage applications recovered slightly from last week, inching up 0.5% compared to the week prior, according to the Mortgage Bankers Association. Purchase loans increased by 2%, while refinance loans rose just 0.1%. The news is a little surprising given the notable jump seen in rates over the week. The average rate on 30-year, fixed-rate loans…

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