Skip To main content
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 2021,2020

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


  • 5

    5 Survey completed on May 14, 2022

    Review By Nikki H. for Joni Hamlett

    Completed transaction in May 2022

    Joni made everything seemless

  • 5

    5 Survey completed on May 09, 2022

    Review By Ryan G. for Joni Hamlett

    Completed transaction in May 2022

    Joni was always there, regardless of the time of day. She always gave good, realistic answers to help guide me what would be the best route to take!

  • 5

    5 Survey completed on May 05, 2022

    Review By Ronald J. for Joni Hamlett

    Completed transaction in May 2022

    Joni did extra things she didn’t have to do during this experience for example, after normal business hours evenings and weekends responding right away when I had questions or concerns. Explaining every detail so that there were no surprises in the process and making sure I understood. Locking in a great interest rate for us. Just being a kind and genuine person at all times. We are grateful for her and the way she treated us.

  • 5

    5 Survey completed on May 04, 2022

    Review By Gwen W. for Joni Hamlett

    Completed transaction in May 2022

    Joni was way ahead of the game. Very prompt in response time. Always a pleasure to talk to. We will definitely be sending more clients to her. I have purchased several houses in the past and I can honestly this was the "BEST" experience I've ever had. Kind regards, Gwen Watson

  • 5

    5 Survey completed on May 01, 2022

    Review By Holly Z. for Joni Hamlett

    Completed transaction in April 2022

    Joni responded to all questions as they came up, even on the weekends. She was prompt with documents throughout the home buying process. She gave great advice and showed she cares about the clients she works with.

Loan in progress?

Please correct the form errors and try again.
Staying Healthy in Real Estate: How Agents Can Be Healthier While on the Go

A lot of real estate agents spend the vast majority of their time on the go — and it can be hard to lead a healthy lifestyle if you’re constantly in the car and running from appointment to appointment. Still, that doesn’t mean that living a healthy lifestyle can’t be done. If you want tips…

Read More