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
Fri
9 AM to 7 PM
Sat
9 AM to 7 PM
Sun
9 AM to 7 PM
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Reviews from Web
I can’t recommend Joe enough. He made the lending process feel clear, manageable, and far less stressful than I expected. He was incredibly responsive, patient with every question, and genuinely helpful from start to finish. I felt supported,...
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Reply from Owner
June 27th, 2026 12:30 PM
Thank you so much, Eileen, for your kind words. I'm glad to hear that you felt supported and informed throughout the lending process. If you have any more questions or need further assistance, please feel free to reach out.
hes the best !
Reply from Joe Garon
June 14th, 2026 05:54 PM
Thanks for the kind words, Marc! I'm pleased to know you had a positive experience. If there's anything else I can do for you, feel free to reach out.
Joe is very responsive and easy to reach out. I was happy to have Joe as our loan officer since meeting with him was super informative and helpful. Any advice he gave us helped a lot. He also listens to the client very actively and carefully....
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Reply from Joe Garon
June 10th, 2026 04:30 PM
I'm pleased to hear that you found our meetings informative and helpful, Yeseul. Being responsive and actively listening to my clients is something I prioritize. If you ever have further questions or need assistance, please don't hesitate to...
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We have known Joe for over three years, and throughout that time he has consistently been one of the most knowledgeable, responsive, and trustworthy professionals we have worked with in the home-buying process.Joe’s expertise in mortgage lending...
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Reply from Owner
June 27th, 2026 12:31 PM
Quan, I truly appreciate your thoughtful and detailed review. It means a lot to know that my approach and dedication have made a positive impact on your home-buying journey. I'm glad to have been able to provide the guidance and support you...
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Joe was excellent! Always very quick to respond and get us what we needed. He was efficient, knowledgeable, and honest. The loan he secured for me had excellent terms. I would recommend him to anyone looking to buy a home!
Reply from Joe Garon
April 23rd, 2026 01:07 AM
Cross, I'm glad to hear that you found my services efficient and helpful. Providing quick responses and securing favorable loan terms is always my goal. Thank you for your kind words and recommendation. If you need any further assistance, feel...
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Joe is incredibly knowledgeable and resourceful. He has a vast network of professionals that can help as well. He and his team made pre-approval and loan acquirement almost too easy. He kept our expectations realistic and we were able to get...
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Reply from Owner
April 23rd, 2026 01:08 AM
Adam, I'm pleased to hear that you found my knowledge and resources helpful throughout your home-buying journey. It's great to know that the pre-approval and loan process felt seamless for you. Keeping expectations realistic is key, and I'm...
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The emabrace app suite made it very easy to submitt and sign document. Joe made us feel comfortable with transparency and knowledg.
Reply from Joe Garon
April 23rd, 2026 01:08 AM
I'm pleased to hear that the Embrace app suite was helpful in making the document submission and signing process easy for you, Adam. I'm also glad I could provide a comfortable experience through transparency and knowledge. If you have any...
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Everything went SO smoothly! He made himself available to answer all of our questions and made us feel comfortable and informed throughout the entire process. Honestly, Embrace and Joe made the house buying process much easier than I expected...
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Reply from Joe Garon
April 18th, 2026 08:10 PM
I'm grateful to hear that the process went smoothly for you, Jolyn. Making sure you felt comfortable and informed was important to me, and I'm pleased that Embrace and I could make your house-buying experience easier than expected. If you have...
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Joe was responsive and stayed on track with out short closing. He answered all our questions and was always available to when we had concerns. Joe is a true professional and I highly recommend his services.
Reply from Joe Garon
April 12th, 2026 11:38 AM
I'm pleased to hear that you found my responsiveness and availability helpful throughout your closing process, Mark. It's important to me to address all questions and concerns promptly. Thank you for the kind recommendation. If you need any...
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Excellent service with quick response!
Reply from Owner
April 12th, 2026 11:38 AM
Your feedback is greatly appreciated, Katrina. I’m pleased to know that you valued the service and found our response time effective. If any further questions come up or if there’s anything else you need, feel free to get in touch.
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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.