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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 September 18, 2021

    Review By Emmett S. for Kristin Hunley Smawley

    Completed transaction in September 2021

    Kristin was always there when I had any questions and made this as easy as possible for a first time home buyer!

  • 5

    5 Survey completed on September 12, 2021

    Review By Susan B. for Kristin Hunley Smawley

    Completed transaction in September 2021

    Kristen was very pleasant, encouraging, accessible, and helpful with my home purchase. She communicated with me throughout the process, and helped me to understand the entire process. I am grateful for her expertise, and her patience with me as I navigated this new experience. I love my new home, and I’m not sure I would have taken this leap without Kristin in my corner! Thank you so very much, Kristin, for your guidance with this life-changing experience!

  • 5

    5 Survey completed on September 11, 2021

    Review By Tyeisha G. for Kristin Hunley Smawley

    Completed transaction in September 2021

    I gained a lot of knowledge and was given plenty of examples and explanations that carried me throughout my decision making process. I was pointed in the right directions to help me choose the right loan that best fits my needs.

  • 5

    5 Survey completed on September 01, 2021

    Review By Erin H. for Kristin Hunley Smawley

    Completed transaction in September 2021

    Kristen is easy to get hold of and it was a very smooth process getting a loan with Embrace. Everyone was super friendly and helpful!

  • 5

    5 Survey completed on August 14, 2021

    Review By John G. for Kristin Hunley Smawley

    Completed transaction in August 2021

    Kristen and the Embrace Team "shepherded" me throughout the process, making the experience seamless, unsurprising, and we got a decent rate too. Many Thanks!

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Mortgage Rates Hit Their Highest Point in Months

Mortgage rates hit their highest point since April this week, according to Freddie Mac. The average rate on 30-year, fixed-rate loans clocked in at 3.05% — up from 2.99% last week.  “As inflationary pressure builds due to the ongoing pandemic and tightening monetary policy, we expect rates to continue a modest upswing,” said Sam Khater,…

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