Joe Garon, NMLS# 2140825, Embrace Home Loans

Joe Garon, NMLS# 2140825, Embrace Home Loans Joe is a member of one of the most experienced and knowledgeable groups in home financing with over 2,000 loan transactions. www.nmlsconsumeraccess.org.

Joe carries his background in corporate finance and commercial real estate to the team as well as expertise in financial coaching. Licensed Loan Officer in VA, MD, DC, PA, NC, FL, DE
NMLS: 2140825
Embrace Home Loans (NMLS # 2184)

Branch Address
10306 Eaton Place, Suite 100 Fairfax, VA 22030

Office Line: 1-800-333-3004 x3622

Corporate Office Address
25 Enterprise Center, Middletown, RI 02842
NMLS #2184

Equal Housing Opportunity
www.nmlsconsumeraccess.org

Embrace Home Loans, Inc. NMLS #2184. 25 Enterprise Center, Middletown, RI 02842. 800-333-3004 (toll free). Licensed in all states except Hawaii. AZ - Mortgage Banker License -0906375; CA - Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; CO - Regulated by the Division of Real Estate, License #096162; DE - Licensed by the Delaware State Bank Commissioner, License #7317; GA - Residential Mortgage Licensee #12848; KS - Supervised Lender License .0000625; MA - Mortgage Lender & Broker License ; ME - Supervised Lender License; MO - 400 Chesterfield Center, Suite #400, Chesterfield, MO 63017; MS - Licensed Mortgage Company; NJ - Licensed by the New Jersey Department of Banking and Insurance; NY - Licensed Mortgage Banker-NYS Department of Financial Services, 100 Motor Parkway, Suite 590, Hauppauge, NY 11788; OR - License -3228; RI - Rhode Island Licensed Mortgage Lender & Broker.​​

08/06/2026

Even the wealthy leave money on the table, but the good news is… I got you! Here’s how we fix this 💸

08/04/2026

Would you ditch the Starbucks if it meant you can become a homeowner? You may be closer than you think to homeownership☕️🏠

07/31/2026

The cash you’re walking away with at closing isn’t really the seller credits… it may be your own cash💸🫤

Drop a “💯” if you agree.
07/29/2026

Drop a “💯” if you agree.

07/28/2026

Who you choose to work with matters more than you think. It’s more than just plugging in numbers, unlocking doors, and open houses on the weekends. It’s a daily grind to make sure our clients win every time 🏆

07/27/2026

This video could help you save your credit💳

Share with someone who’s ready to start building🏠💸

07/23/2026

The most expensive thing you can buy isn’t a house… it’s misinformation.

Every year, I meet people who tell me:

❌ “I need a 780 credit score.”
❌ “I have to save 20% down.”
❌ “I’ll buy once everything is perfect.”

The problem? Most of those things simply aren’t true.

While you’re waiting for the “perfect” credit score or the “perfect” down payment, home prices may continue to rise, rents keep getting paid to someone else, and you miss out on building equity.

That delay can cost you far more than you realize—sometimes tens of thousands of dollars over just a few years.

There are loan programs that allow much lower down payments than most people think, and many buyers qualify long before they believe they will.

The biggest mistake isn’t asking questions.

It’s making one of the biggest financial decisions of your life based on bad information.

Before you spend another year waiting because of something you heard from a friend, social media, or a coworker, let’s have a conversation. You may be much closer to homeownership than you think.

🏡 Don’t let misinformation be the reason you stay on the sidelines.

07/21/2026

Here’s proof that it’s not about what you make, it’s about what you keep💸

Address

10306 Eaton Place
Fairfax, VA
22030

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 7pm
Saturday 9am - 7pm
Sunday 9am - 7pm

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