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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.

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


  • 5.0

    5.0 Survey completed on October 27, 2020

    Review By Joshua P. for Joni Hamlett

    Completed transaction in October 2020

    Joni and the team at Embrace truly went above and beyond throughout our loan process. I always felt like she was on top of the details of our loan and was always a text or phone-call away. Thank you Joni and Embrace!

  • 5.0

    5.0 Survey completed on October 25, 2020

    Review By Sydney P. for Joni Hamlett

    Completed transaction in October 2020

    This was my husband and I’s first time buying a home. To say we knew nothing is an understatement. Joni was so patient and full of grace when it cane to answering our questions and walking us through the loan process. I can’t imagine doing it without her!

  • 5.0

    5.0 Survey completed on October 25, 2020

    Review By Brandon O. for Joni Hamlett

    Completed transaction in October 2020

    Joni was very helpful and pleasant to talk too all through the process, she always answered any question or concern that we had and would respond in a very short amount of time. Overall we would absolutely recommend her to anyone needing the services she provides.

  • 5.0

    5.0 Survey completed on October 24, 2020

    Review By Jean F. for Joni Hamlett

    Completed transaction in October 2020

    We were so glad to be referred to Joni. Buying and selling turned out to be very pleasant and stress free

  • 5.0

    5.0 Survey completed on October 22, 2020

    Review By Jason S. for Joni Hamlett

    Completed transaction in October 2020

    Joni is so sweet & patient. She handled all our questions & concerns in a professional, timely manner which made the process go so smooth & easy! She's the best at what she does!

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