---
canonical_url: https://lendb.ai/lo/joseph-garon-2140825
json_url: https://lendb.ai/lo/joseph-garon-2140825.json
nmls_id: 2140825
last_verified: 2026-10-09
---

# Joe Garon

Sales Manager/Loan Officer at Embrace Home Loans, Fairfax, VA. NMLS ID 2140825 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2140825)).

**Summary:** Joe Garon (NMLS 2140825) is Sales Manager/Loan Officer at Embrace Home Loans, based in Fairfax, VA. Licensed in Florida, confirmed with the state regulator (license LO105556). Also lists District of Columbia, Delaware, Maryland, North Carolina, Pennsylvania, Virginia and West Virginia on the lender page (not yet checked with the state regulator). Licensed since 2022 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2022 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), District of Columbia (DC, lender_reported), Delaware (DE, lender_reported), Maryland (MD, lender_reported), North Carolina (NC, lender_reported), Pennsylvania (PA, lender_reported), Virginia (VA, lender_reported), West Virginia (WV, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties


## About

Joe Garon views mortgages as part of long-term financial health and specializes in customized solutions for first-time homebuyers, military families seeking VA loans, investors, and clients denied elsewhere. He holds a BBA from James Madison University and an MBA from Georgetown University with a certificate in consumer analytics and real estate concentration.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- education: BBA from James Madison University. Source: https://www.embracehomeloans.com/location/virginia/fairfax/joseph-garon, verified 2026-10-09.
- education: MBA from Georgetown University with certificate in consumer analytics and concentration in real estate. Source: https://www.embracehomeloans.com/location/virginia/fairfax/joseph-garon, verified 2026-10-09.
- service_area: Fairfax, Virginia; currently resides in Reston. Source: https://www.embracehomeloans.com/location/virginia/fairfax/joseph-garon, verified 2026-10-09.
- community: Supports local Homeless Animal Shelter Team (HART). Source: https://www.embracehomeloans.com/location/virginia/fairfax/joseph-garon, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO105556 | active | confirmed | 2022-04-07 | state_regulator | 2026-10-09 |
| DC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| DE | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WV | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Embrace Home Loans (NMLS 2184), Fairfax, VA. Source: https://www.embracehomeloans.com/location/virginia/fairfax/joseph-garon, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2140825

## Contact

- linkedin_url: https://www.linkedin.com/in/joseph-s-garon/ (source: lender_site, verified 2026-10-09)
- View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/virginia/fairfax/joseph-garon
- Office phone and Email on file: shown at https://lendb.ai/lo/joseph-garon-2140825#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2140825
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.embracehomeloans.com/location/virginia/fairfax/joseph-garon

Cite as: Joe Garon (NMLS 2140825), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/joseph-garon-2140825, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._