Joni Hamlett, Senior Loan Officer NMLS# 234278

08/09/2026

The best partnerships are built on knowledge, communication, and a shared commitment to getting families home. Looking forward to connecting, learning, and growing together!

RSVP: https://forms.office.com/Pages/ResponsePage.aspx?id=A5npOcTmDUmQytSH1kJJRFXhVr7tu5lGn3_JMIyTFbpURUNRTFc4QThMT1YyM0lNRU5WWDVHU0ZBRy4u&route=shorturl 

08/07/2026

House hunting this weekend? I’m here and ready to help. Whether you need a preapproval, have a mortgage question, or just found the one, call, text, or message me. Ready to get a jump on the process? Follow my link and start your application today.
https://myoc.io/jonihamlett



NMLS # 234278

08/06/2026

Not to be dramatic, but that "unbelievably low rate" you saw on your feed this morning is absolutely asking you to believe some things.

Here’s what the ad leaves out: sometimes those rates come with discount points baked right in, and that changes the math more than you might think. We wrote the article we wish everyone read before shopping for a mortgage. Check it out!

🔗 atlanticbay.com/knowledge-center/how-rates-are-affected/?utm_source=socialcoach&utm_medium=organic



NMLS # 234278

08/05/2026

Atlantic Bay Chief Lending Officer, Emily Gardner, shares how investing in the community and fostering deep relationships gives IMBs a competitive edge.

Read Emily’s op-ed in Chrisman Commentary: https://www.chrismancommentary.com/post/strengthening-homeownership-community-driven-lending



NMLS # 234278

08/04/2026

Every client deserves a trusted team. Understanding the mortgage process helps you become an even stronger advocate throughout the home buying journey. Join us for a morning of practical learning, meaningful conversation, and valuable networking with fellow industry professionals.

Ask the Underwriter!

📅 Thursday, August 20
📍 Lynchburg Association of REALTORS®, Lynchburg, VA
☕ Continental Breakfast at 9:30 AM
🎤 Session Begins at 10:00 AM

Questions? Text or DM me for more information. We'd love to have you join us!



NMLS # 234278

08/04/2026

One of my favorite things to offer local businesses is Atlantic Bay Works: a no-cost benefit that helps employees navigate homeownership with less stress (and some great savings, too).

If you’re curious how it works, let’s connect.
https://myoc.io/jonihamlett

NMLS # 234278

08/02/2026

Real relationships are built through everyday moments, honest conversations, shared laughter, and simply showing up for one another. Those moments truly matter.
https://myoc.io/jonihamlett



NMLS # 234278

07/30/2026

I am so grateful for the kind words shared by my clients. It is always my goal to make the mortgage process clear, smooth, and as stress free as possible. Thank you for trusting me to help you along the way. 💙

Joni Hamlett, Sr. Mortgage Banker
NMLS #234278| Licensed in VA
(434) 942-8200

07/30/2026