5

Susan Fella .

Completed transaction in No Date

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.

5

Cynthia Adu .

Completed transaction in No Date

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 step-by-step processes, responsive to all questions & concerns, and communicated all updates in a timely manner. Analyzation on financial planning insured adequate guidance to achieve a decent mortgage limit to one's comfort level. The application process and financial process was smooth as I was constantly being educated by Joe. Sticking with Joe and the Embrace Team was a great choice to move forward with my home buying processes. I would advise using Mr. Joe Garon and his team as you will not be disappointed in your home buying process. Thank you Joe for being part of my life journey as a first time home buyer. I am loving and enjoying my new home. Words cannot describe how Thankful I am.

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.