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
Thu
9 AM to 7 PM
Fri
9 AM to 7 PM
Sat
9 AM to 7 PM
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Reviews from Web
Joe was super knowledgeable and made the refinancing an easy process. He answer ever question seamlessly and answered questions after hours.
Reply from Joe Garon
December 10th, 2025 07:58 PM
I'm glad to hear that the refinancing process went smoothly for you, Ronald. It's important to me to provide clear answers whenever they're needed, even after regular hours. If you have any more questions or need further assistance, don't hesitate...
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Joe Garon has received a review with 5 star rating from Kobra M
Reply from Owner
April 9th, 2026 02:49 PM
Thank you for the positive rating, Kobra. If you have any further questions or need assistance, feel free to reach out anytime.
Yes. Joe is very knowledgeable and answered all of our questions. Very responsive.
Reply from Joe Garon
December 9th, 2025 04:39 PM
It's great to know that you found my responsiveness and knowledge helpful during your experience, Kobra. Answering all your questions and ensuring you're well-informed is something I take seriously. If there's ever anything more I can assist...
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Great experience
Reply from Joe Garon
November 13th, 2025 03:27 PM
Thank you for sharing your positive experience, George. If there's ever anything else you need or questions you have, feel free to reach out.
Joe was able to answer every question we had and was always available to us. He made our first home buying experience seamless.
Reply from Joe Garon
November 11th, 2025 02:25 PM
I'm pleased to hear that I could help make your first home buying experience seamless, Diana. Being available to answer all your questions is an important part of what I strive to provide. If you need any further assistance or have more questions...
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Joe was an outstanding loan officer to work with. He was always available to answer any questions we had and responded quickly every time. His deep knowledge of the entire home-buying process, especially the VA loan process, made everything...
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Reply from Owner
April 9th, 2026 02:50 PM
Keith, I'm pleased to hear your experience was as smooth and stress-free as you describe. It's important to me that you felt supported and understood every step, especially with the VA loan process. I'm glad I could provide the clarity and...
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Joe was an outstanding realtor to work with. He was always available to answer any questions we had and responded quickly every time. His deep knowledge of the entire home-buying process, especially the VA loan process, made everything smooth...
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Reply from Joe Garon
November 4th, 2025 05:29 PM
I appreciate your kind words, Keith. I'm glad to hear that my availability and knowledge of the VA loan process made your home-buying experience smooth and stress-free. It's important to me that my clients feel informed and confident in their...
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His Patience and willingness to educate me.
He kept me in the loop during the process and was always available
Reply from Joe Garon
October 15th, 2025 05:08 PM
It's good to hear that you appreciated my patience and availability, Rachelle. Keeping my clients informed and educating them along the way is important to me, so I'm glad you found value in that. If you have any more questions or need assistance...
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Always a consistent standard of work. I can expect a professional service for my clients every single time and it always happens. I appreciate the response time and how proactive Embrace Home Loans are from start to finish.
Reply from Joe Garon
April 9th, 2026 02:50 PM
Your feedback is greatly appreciated, Stuart. I take pride in maintaining a consistent standard of work and providing a professional service every time. I'm glad to know that the promptness and proactive approach you experienced met your expectations....
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Joe was amazing during the entire process.He was patient and always available. He answered all the questions and had noIssues explaining things over and educate me on certain things I didn’t know.He made the process as stressed free as possible....
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Reply from Owner
April 9th, 2026 02:51 PM
I appreciate your kind words, Rachelle. I'm glad I could be there to assist you and make things smoother along the way. It was important to me that your questions were answered and that you felt informed throughout the process. If there's anything...
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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.