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Hal Johnson - Senior Loan Officer | NMLS 233808 in Fairfax, VA

Hal Johnson

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Senior Loan Officer | NMLS 233808

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Hal Johnson (NMLS #233808) is a premier mortgage loan officer and local lending expert in Charlottesville, Virginia. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Hal provides comprehensive hom... Show More
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Overall Ratings
4.95
(187)
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  • 5.0
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    Jack R
    Posted on July 16th, 2026 11:12 AM
    Hal Johnson has received a review with 5 star rating from Jack R
  • 5.0
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    John R
    Charlottesville, VA
    Posted on July 16th, 2026 11:11 AM
    Hal made the entire mortgage process smooth and stress-free from start to finish. He was always available to answer questions, communicated clearly, and kept everything moving on schedule. His knowledge and guidance gave us confidence throughout...
    read more
    Reply from Hal Johnson
    July 16th, 2026 11:29 AM
    Thank You for your kind words. Great to work with you and wishing you and your family many happy years in your new home!
  • 5.0
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    Amy S
    Charlottesville, VA
    Posted on July 10th, 2026 12:33 PM
    Hal was quick to respond and I enjoyed working with him!
    Reply from Hal Johnson
    July 10th, 2026 12:39 PM
    Amy - Great to work with and I appreciate how easy it was to work with you!
  • 5.0
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    Samantha M
    Lynchburg, VA
    Posted on July 8th, 2026 11:39 AM
    Very helpful and great communication!
    Reply from Hal Johnson
    July 8th, 2026 11:46 AM
    Hi Samantha - Thank you for your review. It was great to work with you on your first time home purchase! Hope you have many wonderful years in your new home. All the best, Hal
  • 5.0
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    Nick B
    Charlottesville, VA
    Posted on July 3rd, 2026 05:58 PM
    This was a... unique deal and Hal remained patiend and proefessional through the process. I appreciate his support and flexibility.
    Reply from Hal Johnson
    July 3rd, 2026 07:48 PM
    Nick, Thank you for your review. You are a pleasure to work with and a true professional!.
  • 5.0
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    Erica G
    Lynchburg, VA
    Posted on July 2nd, 2026 01:53 PM
    Hal was communicative, always on top of everything and made the experience seemless. Thank you for everything!
    Reply from Hal Johnson
    July 2nd, 2026 01:55 PM
    Thank you Erica. Great to work with you!
  • 5.0
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    Anne B
    Charlottesville, VA
    Posted on July 1st, 2026 03:04 PM
    Hal is my preferred lender and the first person I recommend to my buyers. He is consistently professional, knowledgeable, responsive, and truly cares about his clients. I know that when I refer someone to Hal, they'll be in excellent hands...
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    Reply from Hal Johnson
    July 1st, 2026 03:15 PM
    Thank you Anne! It is always great working with you and your clients.
  • 5.0
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    Karine M
    Posted on July 1st, 2026 01:21 AM
    I was very satisfied with the level of service I received. Hal was present every step of the way to explain and answer my questions. Also very fast to respond and available.
  • 5.0
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    Karine M
    Charlottesville, VA
    Posted on July 1st, 2026 01:20 AM
    very responsive and takes the time to explain
    Reply from Hal Johnson
    July 1st, 2026 11:49 AM
    Karine - It was great working with you. I hope you have many wonderful years in your new home. Please reach out if we can help in any way. Best, Hal
  • 5.0
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    Aaron P
    Scottsville, VA
    Posted on May 18th, 2026 09:19 PM
    I had problems with the mobile app but other than that there was good communication and Hal was great . Others might not run into the same problem I had
    Reply from Hal Johnson
    June 3rd, 2026 08:59 PM
    Aaron, I'm glad to hear that you found the communication effective and that you had a positive experience working with me. I'm sorry to learn about the issues you encountered with the mobile app. If there's anything more you'd like to discuss...
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  • 10 of 187
    About
    Hal Johnson (NMLS #233808) is a premier mortgage loan officer and local lending expert in Charlottesville, Virginia. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Hal provides comprehensive home financing solutions with Embrace Home Loans. Hal Johnson is a Senior Loan Officer in our Charlottesville, VA branch. He's focused on originating loans to help borrowers meet their unique financial needs and achieve their homeownership goals. Contact Hal today to explore your home loan options and get pre-approved!
    Products & Services
    Mortgage Loan Officer
    FHA Home Loan
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    Positions
    • Embrace Home Loans - Senior Loan Officer
      Jun 3rd, 2022 - Current

    Year Started

    2002

    Time Zone

    Eastern Standard Time (EST)
    Licenses
    • NMLS 233808
    Videos
    video
    Disclaimer
    Equal Housing Lender

    Embrace Home Loans, LLC. is an Equal Housing Lender

    Embrace Home Loans, LLC. | NMLS ID # 2184
    25 Enterprise Center | Middletown, RI 02842 | Toll Free: 833-242-5820

    ©2024 All Rights Reserved
    NMLS Consumer Access: http://www.nmlsconsumeraccess.org
    Licensing | Privacy | Contact Us


    Embrace Home Loans, Inc. NMLS ID # 2184 is licensed in AL, AZ (Lic.#BK-0906375), AR, CA Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, CO (Lic.#096162) Regulated by the Division of Real Estate, CT, Licensed by the Delaware State Bank Commissioner to engage in business in Delaware (Lic.#7317, Exp.12/31/2017), DC, FL, GA (Lic.#12848), ID, Illinois Residential Mortgage Licensee, IN, IA, KS, Supervised Lender Licensee (#SL0000625), KY, LA, ME, MD, MA Mortgage Lender & Mortgage Broker (Lic.#MC2184), MI, MN, Mississippi Licensed Mortgage Company, MO, NE, Licensed by the New Hampshire Banking Department, Licensed by the New Jersey Department of Banking and Insurance, NM, NY Licensed Mortgage Banker - NYS Department of Financial Services, NC, ND, OH, OK, OR (Lic.#ML322), PA, Rhode Island Licensed Mortgage Lender and Mortgage Broker, SC, SD, TN, TX, UT, VA, WA, WV, WI.