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 had the pleasure of working with Joe Garon while exploring my options for purchasing a home, and I couldn't be more grateful for his support throughout the process. From the very beginning, he took the time to thoroughly explain my choices,...
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Reply from Owner
July 7th, 2025 02:04 PM
I'm thrilled to hear about your positive experience while exploring your home purchase options with me. It was a pleasure to assist you and ensure you felt confident throughout the process. Thank you for your kind words and recommendation....
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We had a great experience working with Joe during our mortgage process. He was knowledgeable, patient, and always quick to respond to our questions. His clear communication made the entire process much smoother. I truly appreciate his support...
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Reply from Joe Garon
May 24th, 2025 04:49 PM
I'm delighted to hear that your mortgage process was seamless. It was a pleasure assisting you, and I appreciate your recommendation.
Joe was extremely thorough and explained everything very clearly. He walked my wife and I through all of our options and made sure we understood everything throughout the loan process. He was always available when we had questions or concerns...
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Reply from Joe Garon
May 21st, 2025 02:32 PM
I'm thrilled to hear that you had a positive experience with the loan process. It was a pleasure to assist you and your wife by explaining the options and ensuring clarity throughout. Thank you for your kind words and for choosing Embrace Home...
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Joe is great at what he does. He is always there for me and my clinets and making what can be a very stressful process run smoothly . Looking forward to working on more transactions together :) .
Reply from Joe Garon
May 6th, 2025 02:12 PM
I'm thrilled to hear that you found the process smooth and stress-free. It was a pleasure working with you and your clients. I'm also looking forward to collaborating on future transactions. Thank you for your kind words and trust in my services....
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There were a number of people involved in the complicated loan process and the communications were sometimes a little confusing
Reply from Joe Garon
May 5th, 2025 04:40 PM
Thank you for your feedback, Martin. I understand that the loan process can involve many individuals, which might lead to some confusion in communication. I appreciate your patience throughout the process and am glad that we were able to assist...
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Joe answered evey possible questions we had. He also was very communicative with our agent to help the process be as smooth as possible.
Reply from Joe Garon
May 5th, 2025 04:41 PM
I'm thrilled to hear that I could answer all your questions and facilitate smooth communication with your agent. It was a pleasure assisting you with your home purchase! Thank you for your kind words and for trusting us.
Joe was great! He was very helpful throughout the mortgage process. Joe was always available by phone or email (even outside normal business hours) and answered all of our questions promptly. As first time homebuyers, my wife and I had a lot...
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Reply from Owner
May 5th, 2025 04:42 PM
I'm thrilled to hear that you had a positive experience with your mortgage process. It was a pleasure assisting you and your wife as first-time homebuyers. I'm glad I could address all your questions and be available when needed. Thank you...
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Joe Garon is a true professional. He knows his business inside and out. He also knows how to communicate it and make it digestible for his clients. I couldn't have been happier working with Joe. If you want to work with someone who cares about...
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Reply from Owner
May 5th, 2025 04:43 PM
I love to hear you had such a positive experience working with me. Ensuring that the process is clear and understandable for my clients is a top priority. Thank you for your kind words!
Joe is a true professional. He knows his business inside and out. He also knows how to communicate it and make it digestible for his clients. I couldn't have been happier working with Joe. If you want to work with someone who cares about how...
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Reply from Joe Garon
May 5th, 2025 04:43 PM
I love to hear you had such a positive experience working with me. Ensuring that the process is clear and understandable for my clients is a top priority. Thank you for your kind words!
Joe provided quality service to the buyers. He took the time to educate my clients on options. As a seasoned agent of 23 years, I appreciate his dedication and knowledge. (And that he answers his phone 7 days a week!)
Reply from Joe Garon
May 5th, 2025 04:44 PM
I'm excited to hear that you and your clients had a positive experience with the service I provided. It was my pleasure to assist and educate them on their loan options. Your appreciation means a lot, especially coming from such an experienced...
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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.