5

Rachelle M.

Completed transaction in September 2025

His Patience and willingness to educate me. He kept me in the loop during the process and was always available

5

Stuart P.

Completed transaction in September 2025

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.

5

Brandon Hartzell .

Completed transaction in No Date

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

LaTia Kaufman .

Completed transaction in No Date

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

Michelle Rada

Completed transaction in No Date

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.