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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

    5 Survey completed on October 20, 2021

    Review By Lauren S. for Joni Hamlett

    Completed transaction in October 2021

    Joni responds quickly and keeps you up to date one very step. She makes the entire process run so smoothly and gets things done very quickly. I've used her twice myself and will continue to refer her to anyone I know looking to buy a home.

  • 5

    5 Survey completed on October 20, 2021

    Review By Alexis V. for Joni Hamlett

    Completed transaction in October 2021

    Joni was EXTREMELY helpful and very easy to work with. Would 10/10 recommend her to anyone looking to purchase a home!

  • 5

    5 Survey completed on October 19, 2021

    Review By Beatrice A. for Joni Hamlett

    Completed transaction in October 2021

    Joni stayed on top of every aspect of our loan! She was 100% available to us - even working until past 9PM the day we connected with her to get us pre-qualified. That way our prequalification information accompanied the offer on our new home. I cannot say enough about Joni's level of professionalism, attention to detail and unflappable calm and professional demeanor. She is a STAR!

  • 4

    4 Survey completed on October 13, 2021

    Review By Kaylin B. for Joni Hamlett

    Completed transaction in October 2021

    Joni jumped every hurtle that was placed in front of her. Alot of rules changed from what i here which made things very difficult for everyone and joni never gave up she made it work

  • 5

    5 Survey completed on October 11, 2021

    Review By Lastacia D. for Joni Hamlett

    Completed transaction in October 2021

    Joni is very knowledgeable and allows the home buying process to be smooth. She is with you every step of the way.

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