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 AMAZING!! First time home buyer using VA Loan and he made the entire process seamless.
Reply from Owner
March 20th, 2025 01:02 PM
Chip, I'm thrilled to hear about your positive experience! It was a pleasure working with you and helping you navigate the VA Loan process as a first-time homebuyer. Making the journey seamless for you was my goal, and I'm glad I could deliver....
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Joe was a complete & total professional to deal with, & walked me through varied mortgage options & answered all of my questions thoroughly but understandably. I appreciated how he was succinct, answering my questions completelt without wasting...
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Reply from Joe Garon
March 20th, 2025 12:58 PM
Brandon, thank you so much for your kind words. It was a pleasure assisting you through your home purchase. I'm really glad to hear that my approach and responsiveness made a positive impact during such a critical time for you. It’s important...
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Joe Garon is a fantastic local lender. He was attentive and patient with us as we navigated through buying our first home. Joe was exceptionally professional, courteous and his friendly demeanor left us feeling well taken care of. Would highly...
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Reply from Owner
March 20th, 2025 01:05 PM
David, thank you so much for your kind words! It was truly a pleasure working with you during your home-buying journey. I'm thrilled to hear that you felt taken care of and that my approach made the process smoother for you. Helping first-time...
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****** UPDATE ******As things turned out, arrangements with the other lander fell through and I couldn't contact Joe fast enough. We closed a few hours ago - Joe managed to make the entire process happen in less than 2 weeks, and even attended...
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Reply from Owner
February 27th, 2025 05:12 PM
I'm incredibly grateful for your kind words and for giving me the opportunity to assist you with your mortgage. It was a pleasure working with you, and I'm thrilled we could make everything come together so quickly when you needed it. Attending...
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Working with Joe was a seamless and wonderful experience. He is extremely knowledgeable, patient, and kind. I highly recommend to anyone in search of a home. He and his team are my go to for all things mortgage shopping. He truly sets a gold...
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Reply from Owner
February 27th, 2025 05:13 PM
Janelle, thank you so much for your kind words! It was a pleasure working with you and helping you through the mortgage process. I’m thrilled to hear that you had such a positive experience. I always strive to provide the best service possible,...
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Working with Joe was a seamless and wonderful experience. He is extremely knowledgeable, patient, and kind. I highly recommend to anyone in search of a home. He and his team are my go to for all things mortgage shopping. He truly sets a gold...
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Reply from Owner
August 1st, 2025 12:00 AM
Janelle, thank you so much for your kind words! It was a pleasure working with you and helping you through the mortgage process. I’m thrilled to hear that you had such a positive experience. I always strive to provide the best service possible,...
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Joe was always very professional and communicated the progress of the loan and when there was an issue he was very good about following up with that to get it resolved.
Reply from Joe Garon
February 27th, 2025 05:14 PM
Yizreel, thank you so much for your kind words! It was a pleasure working with you on your clients' purchase. I'm glad to hear that you found my communication and follow-through helpful. It's always my goal to make the loan process as smooth...
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Great communication throught the entire process for firstime home buyers and he provided detailed explanations to any questions we had.
Reply from Joe Garon
January 23rd, 2025 02:38 PM
I'm thrilled to hear that you had a positive experience, Julian! As a first-time home buyer, it's important to have clear communication and detailed explanations, and I'm glad I could provide that for you. Thanks for the 5-star review, and...
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If you are looking for a loan officer, look no further! Joe is fantastic! He is very experienced and responsive. His ability to explain the entire loan process and keeping constant communication reduced the stress for us as first time homebuyers....
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Reply from Owner
February 27th, 2025 05:14 PM
Julian, thank you so much for your kind words! I'm thrilled to hear that I was able to make the loan process easier for you as a first-time homebuyer. It was a pleasure working with you, and I'm glad my communication helped alleviate some of...
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Joe went above and beyond explaining everything to me during the home buying process
Reply from Joe Garon
December 31st, 2024 05:22 PM
I appreciate the great review! Looking forward to working with you again in the future.
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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.