Hal Johnson
Senior Loan Officer | NMLS 233808
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
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
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.
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.
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
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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Hal was knowledgeable abs prompt in his communications,
A pleasure to work with
Reply from Hal Johnson
June 1st, 2026 03:57 PM
Michael, I'm grateful for your kind words. It's great to know you found my communication prompt and the experience enjoyable. If you have any more questions or need assistance, please feel free to reach out.
Hal is the ultimate professional and leaves no detail to chance. He is an excellent communicator and is simply the best in the business.
Reply from Hal Johnson
May 25th, 2026 08:22 PM
Thank you, Kimberly, for your generous words. I'm grateful to know that you see me as a thorough and effective communicator. If you ever need anything further, please don't hesitate to reach out.
Hal was very easy to talk with. He did not overcommunicate, but checked in enough to make us comfortable with the process. When there were issues he worked with us on ways to deal with them.
Reply from Hal Johnson
May 22nd, 2026 08:33 PM
Andrew, I appreciate your feedback and am happy to hear that you found our communication style effective. It's important to me that you felt comfortable throughout the process. If any further questions or needs arise, please feel free to reach...
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Very smooth process! Hal was great to work wiyh with smd and was very quick to respond to any questions or concerns we had!
Reply from Hal Johnson
May 21st, 2026 01:51 PM
I'm pleased to hear that the process went smoothly for you, Hannah. It was great working with you as well, and I'm glad I could respond quickly to your questions and concerns. If you need anything else, feel free to reach out!
This is the second time we have used Hal Johnson for our homebuying process. He's an excellent communicator and patiently answered all of our questions. We would highly recommend Hal to our friends and family!
Reply from Hal Johnson
March 30th, 2026 06:03 PM
Bridget, I appreciate your kind words and the continued trust you've placed in me for your homebuying needs. It's important to me to communicate effectively and answer any questions you have along the way. Thank you for recommending me to your...
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It was a easy process and Hal walked us to the end.
Reply from Hal Johnson
March 19th, 2026 01:23 PM
I'm glad to hear that the process felt easy for you, David. It was my pleasure to guide you through each step until the end. If there's anything more I can assist with, don't hesitate to reach out.
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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 OfficerJun 3rd, 2022 - Current
Year Started
2002
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS 233808
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Disclaimer
Embrace Home Loans, LLC. is an Equal Housing Lender
Embrace Home Loans, LLC. | NMLS ID # 2184
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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.