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
My clients have had only wonderful things to say about Joe. Very knowledgeable! :-)
Reply from Joe Garon
April 9th, 2026 02:47 PM
I'm pleased to hear that your clients have had positive experiences working with me, Katrina. Sharing my knowledge to support clients is a key focus. If there's anything further I can provide or assist with, please don't hesitate to contact...
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While I appreciate Embrace's help with our refinance, I'm left with a very sour taste in my mouth. We were far down the path with another lender and switched gears last minute to go with Embrace -- because Joe promised a rate/terms that were...
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Easy and simple process
Reply from Joe Garon
March 19th, 2026 04:41 PM
Hi William, I'm glad to hear that you found the process to be straightforward. If there's anything else I can assist you with or if you have any questions in the future, please don't hesitate to reach out.
Joe explained complicated concepts and documents in a clear way that expedited the closing process. Was there to answer any questions and communicate all our options during closing.
Reply from Joe Garon
March 16th, 2026 07:52 PM
Thank you for highlighting your experience, Evan. I'm glad that my explanations helped make the closing process smoother and more understandable for you. Being available to address questions and discuss options is important to me. If you have...
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Joe was great! He really took time to educate us through the entire process so we had full understanding of everything that goes into purchasing a home. Could not recommend Joe more, especially for first time home buyers!
Reply from Owner
April 9th, 2026 02:48 PM
Knowing that you felt well-informed and supported during the home-buying process is valuable to me, Sean. Guiding first-time buyers through every step is something I genuinely care about. Should you have any questions or need further assistance,...
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Joe was great! He really took time to educate us through the entire process so we had full understanding of everything that goes into purchasing a home. Could not reccomend Joe more, especially for first time home buyers!
Reply from Joe Garon
March 13th, 2026 02:12 PM
It's wonderful to know that you found the home-buying process informative and supportive, Sean. Taking the time to ensure you understood each step was a priority for me, especially for first-time buyers. If there's anything more I can assist...
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Joe was fantastic to work with. He provided the best loan offer to meet our needs, and was extremely responsive at critical times. I especially appreciated his locking in the best interest rate for us just prior to interest rates increasing,...
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Reply from Joe Garon
January 6th, 2026 09:09 PM
I appreciate your kind words, Daniel. It's rewarding to hear that the loan offer and interest rate timing aligned with your needs. Responding promptly during important moments is a priority for me. If you need anything further or have more...
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Joe was extremely helpful and patient as we worked through the various funding scenarios to figure out what is best for us.
Reply from Joe Garon
December 14th, 2025 06:43 PM
Your feedback is truly appreciated, Salvatore. I'm pleased to know that my assistance and patience were beneficial as we navigated the funding options together. If you ever need more help or guidance, please don't hesitate to contact me.
Working with Joe made all the difference. He went above and beyond to help me understand every step of the process and always took the time to answer my questions. Even with my busy work schedule, he was available whenever I needed something...
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Reply from Owner
April 9th, 2026 02:48 PM
Chris, thank you for sharing your experience. I'm pleased to hear that I could assist you effectively and fit around your busy schedule. Being responsive and helping you understand each step was important, and I'm glad it made the process less...
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We recently purchased our first home, and working with Joe made all the difference. As first-time homebuyers, we had a lot of questions and uncertainty, but Joe was incredibly knowledgeable, patient, and thorough in explaining every detail....
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Reply from Owner
April 9th, 2026 02:49 PM
I'm very pleased that you found the home-buying experience to be smooth and informative, Jess. It was important to me to provide clarity and reassurance as you navigated each stage. Knowing that my explanations helped ease any uncertainties...
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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.