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Joe Garon - Loan Officer | NMLS 2140825 in Fairfax, VA

Joe Garon

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Loan Officer | NMLS 2140825

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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
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Location & Business Hours
Business Hours
Mon
9 AM to 7 PM
Tues
9 AM to 7 PM
Wed
9 AM to 7 PM
Overall Ratings
4.96
(156)
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Reviews from Web
  • 5.0
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    Brandon H
    Posted on March 18th, 2025 08:05 PM
    Joe was a complete & total professional to deal with, & walked me through varied mortgage options & answered all of my questions thoroughly but understandably. I appreciated how he was succinct, answering my questions completelt without wasting...
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    Reply from Owner
    March 20th, 2025 01:05 PM
    Brandon, thank you so much for your kind words. I'm thrilled to hear that you found my guidance clear and helpful throughout your home buying process. It's always my goal to make the mortgage experience as straightforward and efficient as possible,...
    read more
  • 5.0
    Zillow
    M
    Michelle R
    Washington, DC
    Posted on October 25th, 2021 12:00 AM
    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...
    read more
  • 5.0
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    Santiago V Z
    Posted on June 22nd, 2026 02:27 PM
    Highly instructive and patient.
  • 4.5
    SFTP
    S
    Santiago V
    Alexandria, VA
    Posted on June 22nd, 2026 02:24 PM
    There were some last-minute occurrences that left us feeling concerned and confused, but you handled them in a very professional and assertive manner.
  • 5.0
    SFTP
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    Stuart P
    Spotsylvania, VA
    Posted on June 22nd, 2026 12:31 PM
    Joe is an outstanding professional who consistently goes above and beyond for his clients. His communication is exceptional—he responds quickly, keeps everyone informed throughout the process, and is always available to answer questions. Joe...
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  • 5.0
    google
    S
    Stuart P
    Posted on June 18th, 2026 11:27 PM
    With so many moving parts to a home purchase I really needed a loan officer I could trust. I was a first time home buyer and Joe gave so much of his time, answering my questions and providing clear explanations to things I didn't understand....
    read more
  • 5.0
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    Candace F
    Posted on June 17th, 2026 01:22 PM
    Mr. Joe Garon at Embrace home loans made our dreams come true! We are first time home buyers and he made the process as stress free as possible. We also toured our home and closed in less than 30 days! Mr.Garon is extremely informative with...
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  • 5.0
    SFTP
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    Candace F
    Hagerstown, MD
    Posted on June 17th, 2026 01:22 PM
    Mr. Garon was kind, informative throughout the entire process, and continued open communication regarding programs, costs, and so much more! I would recommend him to anyone buying a home for the first time! He can make dreams come true!
  • 5.0
    google
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    Valeria Z
    Posted on June 16th, 2026 01:31 PM
    I cannot recommend Joe enough! As a first-time homebuyer, I quickly learned that buying a home can be stressful and full of unexpected challenges, but Joe was outstanding from beginning to end. He was incredibly knowledgeable, always available...
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  • 5.0
    SFTP
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    Valeria V
    Alexandria, VA
    Posted on June 16th, 2026 01:31 PM
    Joe was absolutely incredible throughout my entire home buying process. As a first-time homebuyer, I had so many questions and naturally a lot of stress, but he was always patient, responsive, and truly committed to helping me every step of...
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  • 10 of 156
    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 — 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
    613
    /850
    Search Rank Score
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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
    • View All
    Addresses and Serving Areas

    Year Started

    2021

    Time Zone

    Eastern Standard Time (EST)
    Licenses
    • NMLS 2140825
    • Virginia
    • Maryland
    • View All
    Achievements
    • Completed Masters of Business Administration from Georgetown
    Hobbies
    • Cooking
    • Baking
    • Hiking
    • View All
    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.