Joni Hamlett, Senior Loan Officer NMLS# 234278

06/15/2026

Mortgage rates have been on quite a journey.

From double-digit rates in the 1980s to the record lows of 2021, our latest article breaks down the key moments that shaped the mortgage market and what they can teach us about today.
https://myoc.io/jonihamlett/MNsV8



NMLS # 234278

06/13/2026

Big dreams start with simple conversations. If a new home is on your horizon, I'd love to help you explore your options.
https://myoc.io/jonihamlett



NMLS # 234278

06/13/2026

4.5 star review received on Experience.com for Joni Hamlett by Benjamin N - We loved getting to work with Joni in getting our loan situated. she was very knowledgable and always helping in any way she could

Click to see all 555 reviews of Joni Hamlett, Senior Mortgage Banker

06/12/2026

Want a huge advantage over other homebuyers? We’ve got a new way to make your offer more competitive!

Atlantic Bay’s Fast Track Buyer Advantage pre-approval process...
• Shows the seller your financing is solid.• Arms you with an offer that can compete with cash.
• Provides a smoother, faster closing process.

Still home shopping? You don’t even need an address to get pre-approved. Call me today to start your application!
https://myoc.io/jonihamlett

NMLS # 234278

06/10/2026

June is National Homeownership Month, and an important year-midpoint for our business. 📊
Tap the link below for my article on becoming the go-to guide for the current market. 🏡
➡️atlanticbay.com/knowledge-center/real-estate-roundup-mid-year-market-update/?utm_source=socialcoach&utm_medium=organic

Want my monthly Round-Up email? just DM me! 📲



NMLS # 234278

06/08/2026

The first-time buyer label is actually a lot more flexible than most people realize. It’s less about being a literal beginner and more about your current situation. Life changes or previous housing types can sometimes reset your status, giving access to programs designed to get you into a new place with much less stress.

If you think you might fall into one of these categories, let's look at the numbers together. Send a quick message to see where you stand.
https://myoc.io/jonihamlett



NMLS # 234278

06/07/2026

Cheers to summer and all the adventures ahead. Wishing everyone in our schools a season filled with family, friends, and plenty of sunshine. ☀️💙



NMLS # 234278

06/05/2026

Thinking about buying a home, refinancing, or just exploring your options? I'm available this weekend and happy to help. Call, DM, or text anytime.
https://myoc.io/jonihamlett



NMLS # 234278

06/05/2026

5.0 star review received on Experience.com for Joni Hamlett by Julie F - Joni has been such a wonderful person to work with! I call her an angel in our lives. She knew exactly what we needed to do to buy the home we were looking at. Her attentiveness and communication was constant. She is by far #1 in her field of work!!!!

Click to see all 554 reviews of Joni Hamlett, Senior Mortgage Banker

06/03/2026

Every move creates a new opportunity to build something long-term. For some families, that means turning relocation into equity, future rental income, and long-term financial growth instead of starting over each time.
We broke down how military buyers and other relocating homeowners are using smart financing strategies, housing benefits, and homeownership to build wealth over time, and the approach may be more realistic than many people think.
🔗 atlanticbay.com/knowledge-center/build-wealth-while-moving/?utm_source=socialcoach&utm_medium=organic



NMLS # 234278