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JustChoice Lending (JCL) is a socially responsible mortgage lender that matches clients to the loan that is right for them. JustChoice Lending offers rates that are competitive with mainstream lenders and provides clients with the service and attention of a trusted partner.

We serve people of all income levels, but unlike many lenders, we also have the resources, experience, and know-how to work with people from lower-income backgrounds. In addition, no matter the income level, we also help clients with less-than-stellar credit improve their scores so they can find the home of their dreams.


JustChoice Lending Staff:

Sarah Hoskins – License #873340

Sarah Hoskins joined JustChoice Lending in August 2013 as Mortgage Lending Assistant. She previously served as Mortgage Production Specialist and was recently promoted to Mortgage Operations Coordinator. Sarah handles all the closing and post-closing tasks for the department amongst many other specialties. She holds the 502 Direct Loan Packager Certification and assists as needed with the 502 Direct Packaging Initiative. Her favorite part of working with JustChoice Lending is that she helps make the homeownership dream a reality while keeping the borrower’s best interests in mind.

Before adventuring into the nonprofit world with JustChoice Lending, Sarah worked at PNC Bank as a Customer Service Representative for over three years. She enjoys working with clients and watching them succeed in whatever they want to obtain.

Janel Lawson – License #804306

Janel Lawson joined JustChoice Lending in August 2015 as Mortgage Loan Specialist. She quickly transitioned into a new role serving as the Single Family Production Manager and was recently promoted to VP of Single Family Lending. Janel manages the origination, processing and closing staff, as well as serving in a greater capacity around monitoring the department’s pipeline, closings, and reporting requirements. Janel is a licensed originator for the states of Kentucky, Virginia, and Indiana. Janel thoroughly enjoys assisting the team and clients, and she loves knowing she is making homeownership a reality in often underserved areas.

A graduate of Madison Central High School, Janel went on to receive her Bachelors of Business Administration from EKU in May 2009.  In September 2016, she obtained her Masters in Human Resource Leadership Management from Sullivan University. Before joining the JCL team, Janel worked at US Bank for six years where she quickly worked her way up from teller to the Assistant Manager position. As a Madison County native, she enjoys attending community activities with her family and children.

Laura Meadows – License #65837

Laura Meadows has enjoyed a career with JustChoice Lending since March 2007 and is currently serving as Fahe’s Executive Vice President of Lending, working with the Single Family Mortgage division, as well as Fahe’s Community Lending division. Laura is a licensed originator in the states of Kentucky, Alabama, Florida, Indiana, Michigan, Mississippi, Tennessee, Virginia, and West Virginia, and holds her 502 Direct Loan Packager Certification. Laura Meadows is a nationally-recognized expert in USDA 502 loan products, which have been the backbone of affordable housing finance in rural America for decades. She advises nonprofits across the nation on how to administer the USDA 502 Direct program, resulting in earned income opportunities and access to mortgage dollars for the low-income households they serve.

Laura enjoys working with JustChoice Lending because as a nonprofit, she gets to see the impact a group of people with a heart for a region can make in Appalachia. She also enjoys getting to know our clients and sharing in their excitement when they become homeowners.

Prior to her work with JustChoice, Laura attended Eastern Kentucky University and graduated Magna Cum Laude.  While studying for a degree in Business and Technology, Laura worked for National City Bank. After four years, she was promoted to an Assistant Manager position. Laura worked for National City seven years before venturing into the nonprofit world with JustChoice. Laura has been a resident of Madison County for over 15 years and enjoys her life there with her husband and beautiful daughter.

Jamie Puckett – License #257288

Jamie Puckett joined Fahe’s staff in 2013 as Community Loan Fund Administrator and served in that role for three years. In 2016, she joined JustChoice Lending as Mortgage Loan Production Specialist. Jamie is a licensed Mortgage Loan Originator in Kentucky and she holds the 502 Direct Loan Packager Certification.  She serves as the main point of contact for the 502 Direct Packaging Initiative Program, packaging business that originates through Fahe, or is reviewed by Fahe for an approved packager. Her role as point person between USDA support staff and Fahe assures the expansion and continued success of the packaging program.

Prior to joining Fahe, she worked for eight years in single family lending as a closer, abstractor, and loan originator.

She and her family have lived in Madison County, Kentucky, for over 19 years.  Having been a client of JustChoice Lending when they enabled her to purchase her first home, she is proud to join the JCL team and assist in making the dream of homeownership happen for others.