Joe Garon
Loan Officer | NMLS 2140825
Joe Garon (NMLS #2140825) is a premier mortgage loan officer and local lending expert in Fairfax, Virginia. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Joe provides comprehensive home financi... Show More
Location & Business Hours
Business Hours
Mon
9 AM to 7 PM
Tues
9 AM to 7 PM
Wed
9 AM to 7 PM(Open now)
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Reviews from Web
We couldn't have better things to say about our housing hunt and mortgage loan experience with Joe in Washington, DC. He was very communicative and always available when we needed him. We felt we were making solid financial decisions with Joe's...
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Joe was very organized and helpful. I explained every step along the way. He made a major event go smoothly.
Joe was very organized and provided LOTS of great information. This was truly a learning experience.
Reply from Joe Garon
August 15th, 2026 10:43 PM
I'm pleased to know that you found the information I provided helpful, Harlan. It's great to hear that your experience was informative and organized.
Joe was RESPONSIVE! He was always avai for any question big or small. Joe gave insight and educated us all along the way. The experience was different than any other and this is our 7th home purchase.
Reply from Joe Garon
August 11th, 2026 02:48 PM
I'm glad to hear that you found my responsiveness and insight helpful, Nicole. It's wonderful to know that your experience with me was uniquely positive, especially with this being your seventh home purchase. Thank you for sharing your thoughts!...
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Whilst we very much appreciated Joe's advice, flexibility to meet us, and speediness of communication at the beginning of the process, we were somewhat suprised at the hidden costs and requirements that were not discussed beforehand that required...
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Reply from Joe Garon
July 17th, 2026 07:47 PM
Thank you for sharing your experience, Beverly. I'm glad you appreciated the initial advice and communication, but I'm sorry to hear about the challenges you faced with unexpected costs and communication changes. Please reach out to me directly...
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The process went smooth and the staff was always available whenever needed
Reply from Joe Garon
June 27th, 2026 12:22 PM
I'm glad to hear that the process went smoothly for you, Milka. It's important to me and the team at Embrace Home Loans to be available whenever needed. If you have any more questions or need further assistance, feel free to reach out.
We had an outstanding experience working with Joe throughout our home loan process. He made what could have been a stressful experience feel smooth and manageable from start to finish. Joe was always responsive, patient, and took the time to...
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Reply from Joe Garon
June 27th, 2026 12:22 PM
Thank you so much for your thoughtful review, Jennifer. I'm grateful to know that I could make the home loan process smooth and manageable for you. It's important to me that my clients feel informed and supported every step of the way. If there's...
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Highly instructive and patient.
Reply from Owner
June 27th, 2026 12:22 PM
I'm thankful for your kind words, Santiago. I'm glad to know you found my approach instructive and patient. If there's anything more you need, please feel free to reach out.
There were some last-minute occurrences that left us feeling concerned and confused, but you handled them in a very professional and assertive manner.
Reply from Joe Garon
June 27th, 2026 12:23 PM
I appreciate your feedback, Santiago. I'm glad I could address the last-minute occurrences professionally and help alleviate your concerns. If you have any more questions or need further assistance, please feel free to reach out.
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About
Joe Garon (NMLS #2140825) is a premier mortgage loan officer and local lending expert in Fairfax, Virginia. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Joe provides comprehensive home financing solutions with Embrace Home Loans. A Different Approach to Lending I believe a mortgage is more than just a transaction â it's a critical component of your long-term financial health. My philosophy is to act as your financial advisor, not just a loan officer. I take an inquisitive and customized approach to every client. Contact Joe today to explore your home loan options and get pre-approved!
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Specialities
Home purchase financing
Second home financing
Investment property financing
Cash out refinacing
Refinance to lower interest rate or payment
Real estate and tax strategy planning
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Positions
- Embrace Home Loans - Loan Officer May 10th, 2021 - Current
Memberships
- Northern Virginia Association of Realtors
- BNI - Business Forum of Fairfax
- NMLS
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2021
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS 2140825
- Virginia
- Maryland
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Achievements
- Completed Masters of Business Administration from Georgetown
Hobbies
- Cooking
- Baking
- Hiking
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Disclaimer
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.