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
Wed
9 AM to 7 PM
Thu
9 AM to 7 PM
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Reviews from Web
Amazing service, and we are glad we chose Joe as our loan officer. Joe always responded quickly to any queries and laid out all our options and made sure we made informed decisions, When we hit a hurdle with our inspection joe made sure we...
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Reply from Owner
April 9th, 2026 02:51 PM
Thank you, Raihan, for your kind words and for entrusting me as your loan officer. I am pleased to know that my efforts helped guide you through the process. Addressing your queries and ensuring you had all the necessary information for making...
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Joe was extremely helpful and very quick to respond to any queries, he also gave the best advice on going through with our loans and when we hit a hurdle he tried his best to overcome it and made sure we got to the closing laying out all our...
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Reply from Joe Garon
October 4th, 2025 03:00 PM
Your feedback is much appreciated, Raihan. It's wonderful to know that my efforts to assist with your loans and navigate any hurdles were beneficial for you. I strive to always act with my clients' best interests in mind, so I'm glad that was...
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Joe is very punctual and responsive. He is very knowledgeable and very professional. Highly recommend!
Reply from Owner
April 12th, 2026 11:39 AM
I appreciate your kind words, Zina. Being punctual and responsive are important aspects of my work, and I'm glad you found these qualities beneficial. Thank you for your high recommendation. If there's anything else I can help with, please...
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Easy to work with, all transactions through the app .
Reply from Joe Garon
September 24th, 2025 10:11 PM
Thanks for your feedback, James. I'm pleased to know that using the app made your transactions straightforward. Streamlining the process is something I focus on, so it's good to hear it worked well for you. If you have any other needs or questions...
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Joe Garon has received a review with 5 star rating from Samantha H
Reply from Owner
April 12th, 2026 11:40 AM
I appreciate your five star rating, Samantha. Thank you for choosing to work with me!
Joe was great at providing updates throughout the whole process
Reply from Joe Garon
September 24th, 2025 06:46 PM
Thank you, Samantha, for sharing your experience. I'm glad to hear that the updates throughout the process were helpful for you. Keeping clients informed is a priority for me, and I'm pleased it met your expectations. Should you need any assistance...
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Joe was so easy to work with! He's a really smart guy and communicates well! My client loved his video updates throughout the process.
Reply from Joe Garon
April 12th, 2026 11:40 AM
Your positive words mean a lot, Julie. I'm pleased that you and your client found the communication clear and effective, particularly with the video updates. Ensuring a smooth process is always my goal. If there's anything further I can assist...
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Joe is very professional, responsive, and goes above and beyond.
Reply from Joe Garon
September 24th, 2025 12:33 PM
I appreciate your kind words, Zina. It’s great to know that you found my approach both professional and responsive. Going above and beyond for clients is a key part of my commitment, so I'm glad it was evident in your experience. If you ever...
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Joe Garon is very educated and also very professional. His service was outstanding. He’s very prompt and is on top of every little detail. I would highly recommend him for your financial services.
Reply from Owner
April 12th, 2026 11:41 AM
Susan, I'm pleased to hear that my service met your expectations. Maintaining a high level of professionalism and attention to detail is something I prioritize greatly. Your recommendation is truly appreciated. If you have any further questions...
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It was such a pleasure working with Loan Officer Mr. Joe Garon at Embrace Home Loan. I obtained a mortgage loan at an amazing interest rate due to Joes's endless monitoring of current economic rates. Joe is very thorough with explaining the...
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Reply from Owner
April 12th, 2026 11:45 AM
Thank you for sharing your thoughtful feedback, Cynthia. I'm truly pleased to hear that you had a positive experience and found the process of obtaining your mortgage loan smooth and informative. It's rewarding to know that my efforts in monitoring...
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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.