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About me

Thank you for visiting my website! My name is Joe Gallagher.Read more

Thank you for visiting my website! My name is Joe Gallagher. I was born and raised in Northern Virginia. I currently live and work in Warrenton, Virginia and enjoy serving these local communities: 

Warrenton | Gainesville | Haymarket | Loudoun | Prince William | Fairfax | Stafford | Culpeper 

Since beginning my mortgage career in January of 2003 I've had the privilege of assisting many families with a wide variety of situations to help them achieve their financial goals. Whether you are a first-time homebuyer, in need of refinancing (for a rate reduction, home improvement, or debt consolidation), or purchasing an investment property, I'd be grateful for the opportunity to guide and assist you. In working with me you'll find that I am customer service oriented and helpful by nature. I enjoy developing business relationships, networks, and marketing opportunities with real estate, financial, and banking professionals. I'm passionate about mentoring others and working with them to reach their full potential. But most importantly, I'm energized about helping individuals and families find an excellent mortgage solution suited to their financial needs.  

I am a Manager and Mortgage Planner by profession, but I am a husband and a father first and foremost. When I'm not assisting others with their financing needs I'm supporting my church, coaching and enjoying my time with my wife, Renee, and our 3 children Lincoln, Alexandra, and Bailey. I'm a lover of sports, the outdoors and spending time with close friends & family. Purchasing a home or refinancing an existing mortgage loan is a massive decision and one that involves the review of very personal information and dollar amounts that resemble a small fortune. My goal is to earn your trust and help you. My hope is to be the one you lean on for mortgage advice not just in the short term but for many years to come. 

Awards

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Causes and Memberships

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Testimonials

4.93 (182 reviews)
Experience logo
4.9
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5.0
Third party logo
5.0
We appreciate the prompt response and the attention to the details from the team. It made the entire loan process much easier to understand. We were privileged to work with you, and thank you for being part this crucial steps.
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Priya

Aug 6, 2026

Fredericksburg, VA

Joe and his team are amazing! They've helped me get a few new home purchases done for my buyers.
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Charles

Aug 6, 2026

Glen Burnie, MD

Ready to get started?

Get in touch to discuss your home financing goals and explore next steps together.

Office Hours

Monday - Friday

Saturday

Sunday

8:00AM - 5:00PM

CLOSED

CLOSED

Monday - Friday

8:00AM - 5:00PM

Saturday

CLOSED

Sunday

CLOSED

NMLS ID #220243

I am authorized to do business in the states of Florida, Maryland and Virginia. (www.nmlsconsumeraccess.org/);

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