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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 July 23, 2021

    Review By Gabrielle M. for Joni Hamlett

    Completed transaction in July 2021

    Joni made sure the entire process was as stress-free as possible. She was very professional, great at communicating, and went above and beyond to make our first home buying experience the best.

  • 5

    5 Survey completed on July 23, 2021

    Review By Connor M. for Joni Hamlett

    Completed transaction in July 2021

    I know that plenty of people have reviewed their experiences with working with Joni and had given her the greatest amount of credit, but I couldn't express in words how appreciative we truly are. Without her help, we more than likely wouldn't have been able to move into our first-ever home as soon as we hoped...but Joni made it all possible. From the initial meeting to the closing, she was fantastic to work with, to listen to, and to take advice from. We will happily refer her and Embrace Home Loans to any future buyers that we may come across. Thank you and thanks again, Joni!

  • 5

    5 Survey completed on July 12, 2021

    Review By LaToya D. for Joni Hamlett

    Completed transaction in July 2021

    Joni was awesome to work with from start to finish, She has mass knowledge about the home buying process and she will explain each step of the process to make sure you as the buyer understands everything!

  • 5

    5 Survey completed on July 04, 2021

    Review By Alex G. for Joni Hamlett

    Completed transaction in June 2021

    Joni was always available to answer questions. She walked me through the entire process step by step and made everything so easy.

  • 5

    5 Survey completed on June 29, 2021

    Review By Lindsay T. for Joni Hamlett

    Completed transaction in June 2021

    Joni is absolutely amazing!!

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