Joyce Hamon   NMLS# 659634   State License FL LO-32655

Joyce Hamon
On Q Mortgage Consultant

About Me


The home loan process can be stressful and even overwhelming. This is just one of the many lessons I’ve learned with over three decades of experience in this business. Therefore, I know how to make the process as painless and stress free as possible. Most of all, I look forward to being your trusted mortgage adviser for many years to come.

Over the last 30 years I have been in residential lending. Most notably I specialize in Conventional loans, FHA and VA loans as well as construction-permanent loans. I am well known in our community for my honesty, integrity and my dedication to my clients and my job.

What I Want You to Know


When you choose me as your mortgage consultant, you actually get a Team in return. On Q has provided me with a full-time assistant, Barb Germana. Barb and I have worked together for over 20 years and our goal is to exceed all of your expectations. Also, Barb is a licensed mortgage consultant, so between us, you get the full benefit of a half century of mortgage experience. Behind us is On Q Financial, one of the largest mortgage bankers in the nation. We’re proud to bring you the services of this elite group of mortgage professionals. Furthermore I am very passionate about what I do. Home ownership is an important part of our culture, I strive to make that dream come true for my clients.

What Sets Me Apart


I’ve earned a reputation for knowing the mortgage business inside and out. As a former “Top Residential Mortgage Producer” for the state of Florida, there are not many situations I haven’t faced and solved many times before. Thus I work on a very personal level with my loan applicants, and count many of them as long-time friends. I am always available to you. Therefore I am never too busy to take or return a phone call. Together, we can get through this process no matter the challenges we may face. I treat my clients like family. Most of all I pride myself in excellent communication throughout the loan process and I attend my closings.

My Story


In 4th grade I met my husband. We have been married for 40 years! My husband James and I moved to Englewood, Florida from Indiana in 1978. We have two kids, Jamie and Joshua. They both graduated from Lemon Bay High School. Jamie went on to graduate from Florida State University and Joshua graduated from Florida Gulf Coast University. Both are very successful in their careers. We have two grand dogs: Jackson Brown and Boomer. My Family enjoys cooking together, home renovations and travel.

What My Clients Are Saying

  • "I just wanted to thank both Joyce and Barb so very much for all of your help in securing my loan for my new home. You were organized, thorough & professional, as well as kind which made all of the difference. I put my trust in you and you most definitely came through for me, just as I was told by past customers that have used you. Thank you for all your patience, attention to detail and going above and beyond. You stand above the rest! Thank you Judy G."


    - Judy G.

  • "Joyce: Thanks again. Seamless process. I will recommend On Q and you whenever the opportunity arises."


    - Timothy P.D.

  • "Dear Barbara and Joyce and all support staff of On Q financial, It is a true honor to have you on my team. As a person with a difficult tax return for many reasons including being self employed and possessing many legal entities, it was such a pleasure to have Barbara and Joyce guiding me through the process. I won't say all went smoothly. What I will say is that nothing seemed insurmountable to them. They put themselves in my situation and helped guide me through conversations with my personal accountant to retrieve the information necessary to complete the underwriting process. I believe one day Barbara sent me thirteen emails keeping me aware of any new information that was necessary. I believe most people would have given up and gone on to the next easier situation. Not these ladies. " Thanks again". How many times did I write those words? I lost count. These ladies are true finance professionals. Thank you again and again. Sincerely. Dr. Philip Swords DMD"


    - Dr. Philip Swords DMD

  • "Working with On Q Financial was a pleasure; we received the closing instructions and loan package in a timely manner; and your processing and closing team were wonderful to work with. They did a great job of answering all our questions and giving us plenty of time to get this through to closing with no “hitches”. When the Borrower showed up for closing, she was well informed, and we had no “surprises” at the closing table."


    - PReaves

  • "I am happy to have had an opportunity to work with Joyce Hamon from OnQFinancial. She was wonderful to work with, displaying professionalism and organization to both my buyer and myself. I look forward to recommending her to future buyers."


    - CMacdonald

  • "The documents from On Q Financial were received in advance of closing. The package was done with complete accuracy. The closing went very smooth and it is truly a pleasure working with Joyce, who attends her closings which is rare these days."


    - T.Reese

  • "I’ve worked with Joyce Hamon for many years. She is a true professional. My Clients love working with her and she is available to them from start to finish. She even comes to every closing! If you’re looking for a new home and need a mortgage, you won’t find a more conscientious person to work with"


    - Kim Brereton

  • "I would like to thank Joyce and Barbara for all their hard work in helping me get into our dream home. I originally had used Quicken Loans for my home purchase, but 3 months of constant problems with the loan was unacceptable. I actually was yelling at a Quicken representative on Christmas Eve who was the third person that week asking for more paperwork. It truly was a nightmare. When I called Joyce she was very understanding and helpful. Their office was in town, so dropping off papers and signing things was never an issue. The only people I dealt with at On Q Financial was Joyce and Barbara and the house closed in thirty days. Not like the 15 different people who repeatedly ask for the same papers from Quicken Loans. Thank you On Q, Joyce and Barbara for saving my dream of home ownership."


    - Jeremy W.

  • "We just completed a refinance with Joyce and Barbara at On Q Financial. Great open communication and professional service from Joyce and Barb. The entire process was so fast and easy! Thank You"


    - Amber T.

  • "We have just completed a closing with On Q Financial, and specifically Joyce Hamon and her assistant Barb Germana. We were very pleased with the way On Q was responsive and timely in getting us a closing package a number of days ahead of the closing date. This certainly makes for a stress-fee closing for everyone involved. Joyce and Barb are very easy to work with and would recommend them very highly."


    - Greg F.

I strive to exceed my client’s expectations.

Joyce Hamon

On Q Mortgage Consultant - On Q Financial

41 Chailett Rd. Unit 15 Rotonda West, FL 33947

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941.866.0366
941.882.6214
joyce.hamon@onqfinancial.com
http://joycehamon.onqfinancial.com

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