Joe Garon
Sales Manager/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
Tues
9 AM to 7 PM(Open now)
Wed
9 AM to 7 PM
Thu
9 AM to 7 PM
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Reviews from Web
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.
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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Reply from Joe Garon
June 27th, 2026 12:23 PM
Thank you, Stuart, for your kind words and recommendations. I'm glad to hear that my communication and dedication have made a positive impact on your clients. It's important to me to provide the best solutions tailored to each client's needs....
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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....
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Reply from Owner
June 27th, 2026 12:23 PM
Stuart, I'm grateful for your kind words and trust during your first home purchase. It's great to hear that I could assist with your questions and provide clear guidance. Your recommendation means a lot, and I'm glad you found the experience...
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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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Reply from Owner
June 27th, 2026 12:24 PM
I'm glad to hear that I could help make your dream of homeownership a reality, Candace. It's wonderful to know that the process was smooth and stress-free for you as a first-time home buyer. If you have any more questions or need further assistance...
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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!
Reply from Joe Garon
June 27th, 2026 12:24 PM
I'm grateful for your kind words, Candace. It's wonderful to know that you found the process informative and felt supported through open communication. Thank you for recommending me to others, and I wish you all the best in your new home!
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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Reply from Owner
June 27th, 2026 12:25 PM
Valeria, I'm really grateful for your kind words and for sharing your experience as a first-time homebuyer. It's wonderful to hear that I could help make the process smoother for you and address any unexpected challenges along the way. Your...
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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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Reply from Joe Garon
June 27th, 2026 12:29 PM
Valeria, I'm so glad to hear that I could support you through your first home buying journey. It's important to me to be patient and responsive, especially when unexpected challenges arise. Your trust and kind words mean a lot, and I'm grateful...
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Very knowledgeable and helpful. Was willing to answer our questions any time.
Reply from Joe Garon
June 27th, 2026 12:29 PM
I'm grateful for your kind words, Tanner. It's nice to know that you found my assistance helpful and that I could answer your questions whenever needed. If you have any more questions in the future, please feel free to reach out.
We were pleased with the professionalism and kindness that we received from Joe and the Embrace team. We thank you all very much.
Reply from Joe Garon
June 20th, 2026 02:19 PM
Thank you, Betty, for your kind words. I'm grateful to know that you appreciated the professionalism and kindness from both me and the Embrace team. If you need anything else, 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.