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Kristin Smawley

Virginia - Lynchburg

103A Paulette Circle

Lynchburg VA 24502


About Kristin

Kristin H. Smawley is a Senior Loan Officer at Embrace Home Loans’ office in Lynchburg.

Kristin has been in the mortgage business for more than 18 years, with experience in processing, underwriting and closing loans. She is ready to put her experience to work for you, guiding you through the entire mortgage process and getting your loan closed as quickly as possible.

Kristin has worked for several mortgage companies throughout her career, including MetLife Home Loans, McLean Mortgage Corp., and First Horizon Home Loans.

Kristin is a local and grew up in Altavista. She lived and worked in the Hampton Roads area for 8 years and gained a wealth of knowledge in VA financing. She has worked with many Virginia service men and woman, over the years, and she is also experienced in conventional & FHA financing, as well as refinancing. She enjoys working with first time homebuyers and guiding them through the process of their first purchase.

She has two boys who love to play football. Kristin is heavily involved with their schools. She is the treasurer for Tomahawk Elementary School PTO, as well as treasurer for both a recreational football and basketball team. Her spare time is spent volunteering at the school and at sporting events.

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


  • 5

    5 Survey completed on January 17, 2022

    Review By Jeremy W. for Kristin Hunley Smawley

    Completed transaction in January 2022

    Kristin seemed to genuinely care for us and worked to take care of our needs. She was very communicative and always kept us up to date. We would definitely use her again!

  • 5

    5 Survey completed on December 22, 2021

    Review By Christine W. for Kristin Hunley Smawley

    Completed transaction in December 2021

    Everyone was so nice and helpful. Went above and beyond

  • 5

    5 Survey completed on December 08, 2021

    Review By Chad P. for Kristin Hunley Smawley

    Completed transaction in December 2021

    Easy friendly service. A nice online experience.

  • 5

    5 Survey completed on December 02, 2021

    Review By Amanda S. for Kristin Hunley Smawley

    Completed transaction in December 2021

    Kristin went out of her way to answer all of my crazy questions during this home buying process and helped make it a smooth experience to purchase our first home !

  • 5

    5 Survey completed on November 27, 2021

    Review By Wayne R. for Kristin Hunley Smawley

    Completed transaction in November 2021

    Kristin was great, answered all of our questions and was always there when ever we reached out to us.

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