Joe Garon

Joe Garon

Loan Officer   NMLS# 2140825

orange star4.98 (123 Reviews)

APPLY NOW

5 stars

Joe Garon is a trusted mortgage professional in Fairfax, VA 22030

Zillow
Google
Accredited Business - BBB
calculator

Calculators

Use one of our calculators to learn how much you can afford and what your monthly payments will be.
talk to expert

Down payment solutions

Discover programs that could make buying a home more affordable. See what you may qualify for in minutes.
check icon

Make your offer stronger

Waive the financing and appraisal contingencies to make your offer stronger than a cash offer!

About Joe

A Different Approach to Lending

Continue Reading

rectangle arrow down
See what other homeowners have to say about me

  • 4

    Great experience

  • 5

    Joe was able to answer every question we had and was always available to us. He made our first home buying experience seamless.

  • 5

    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 time, & his expertise & depth of knowledge really shone through. Often I find that people talk in circles, double-talk, answer something not asked, etc., because they do not understand their subject & are trying to mask that fact. Einstein said that a truly knowledgeable person explains complex things simply, & that is what Joe demonstrated repeatedly. Joe also demonstrated responsiveness regardless of the hour or day of the week, which was key to our home purchase experience because we were selling one home & buying another simultaneously. He found our best rare & type of mortgage as well. I highly recommend Joe Garon for mortgage work.

  • 5

    Joe was incredible. He is extremely knowledgeable and was able to walk us through many financing options until we found the right fit. He made the process simple and straightforward and kept us updated every step of the way. Joe went above and beyond. We would partner with him again without hesitation and highly recommend his services to anyone interested in making a new home purchase.

  • 5

    We couldn't have better things to say about our housing hunt and mortgage loan experience with Joe in Washington, DC. He was very communicative and always available when we needed him. We felt we were making solid financial decisions with Joe's expertise and guidance, especially with the size of the mortgage loan we were after. The secure online portal system was very easy to use when we submitted our financial information for the loan application. We absolutely recommend Joe for your mortgage lender needs.

Mortgage Calculator
Joe Garon

Explore your options and take advantage of your mortgage opportunities

APPLY NOW

Fairfax, VA Mortgage Loan Officers

location pin
phone icon
703.591.7144
You can use (arrow keys to pan and +,- to zoom in/zoom out).

Frequently asked questions

Can I buy a home with little or no money down?

Yes. Joe Garon can help you explore low and no down payment options, including FHA, VA, USDA, and exclusive Embrace programs. You may also qualify for local or state assistance depending on your income and location.

How do I get pre-approved with Joe Garon?

Getting pre-approved is simple. You can apply online, schedule a call, or meet with Joe Garon at our Fairfax branch. We’ll review your income, credit, and homebuying goals, then issue a personalized pre-approval letter. Many buyers choose Embrace’s exclusive Approved to Move program, which goes beyond standard pre-approval by fully underwriting your loan upfront.

Who is the best mortgage lender to work with in Fairfax, VA?

Embrace Home Loans is a trusted mortgage lender serving Fairfax and nearby communities. Our local loan officers offer personalized guidance, competitive rates, and exclusive loan programs designed to support homebuyers from pre-approval through closing. Whether you're a first-time buyer or refinancing, Joe Garon is here to help you reach your goals.

How do I choose the right mortgage with Joe Garon in Fairfax, VA?

Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Joe Garon will help you compare fixed vs. adjustable rates, down payment requirements, and loan terms and guide you toward the best fit for your situation, whether you're buying your first home or your fifth.

What’s the best mortgage for a first-time homebuyer?

The best mortgage depends on your credit, income, and long-term financial plans. Government-backed loans often offer flexible guidelines, while conventional loans may offer lower rates and reduced fees. Joe Garon will walk you through your options and help you find the right fit.

License