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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 July 23, 2021

    Review By Aaron M. for Kristin Hunley Smawley

    Completed transaction in July 2021

    Great service, great communication, made the whole process easy and stress free

  • 4

    4 Survey completed on July 02, 2021

    Review By Cynthia C. for Kristin Hunley Smawley

    Completed transaction in June 2021

    Kristen and her team do an excellent job, despite the large number of mortgage applications in play at the same time. I was given several options and picked the one I thought was best for me.

  • 5

    5 Survey completed on June 28, 2021

    Review By Donald C. for Kristin Hunley Smawley

    Completed transaction in June 2021

    Always prompt returning phone calls, available at all hours. Answered questions completely and explained what we did not understand. WONDERFUL!

  • 5

    5 Survey completed on June 19, 2021

    Review By Samantha H. for Kristin Hunley Smawley

    Completed transaction in June 2021

    Kristin went above and beyond when it came to finding the best loan options and interest rate for our recent mortgage. Her communication efforts exceeded our expectations throughout the loan process. Her preparation prior to closing, made the process swift and easy! We would HIGHLY recommend Kristin and the staff at Embrace Home Loans to anyone purchasing a home.

  • 5

    5 Survey completed on June 18, 2021

    Review By Brian E. for Kristin Hunley Smawley

    Completed transaction in June 2021

    Kristin made the whole VA loan process incredibly easy. She made the home buying experience very enjoyable by answering all my questions in a way that anyone could understand including ones that didn’t even pertain to her job. 10/10 would recommend to anyone buying a home.

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