Contact Me
hero image
Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

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. 

Read Blog

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Product Info

homebot-logo

home equity insights

For illustrative purposes only. Guild Mortgage is not affiliated with Homebot. Clicking the above links redirects to Homebot controlled sites.

X
X

Testimonials

Testimonials
4.91 out of 5.0 stars
4.9
5.0
Ming
Mar 31, 2025
Verified

Joe Gallagher is very friendly and knowledgeable. Quick to respond and provides excellent customer service. Thanks Joe!
Zu
Mar 31, 2025
Culpeper, VA
Verified

Joe Gallagher is very knowledgeable and quick to respond He is also very customer friendly, providing excellent customer service . Thank you Joe!
Catherine
Mar 17, 2025
Arlington, VA
Verified

The process was made quite easy with support from Joe and Danette along the way!
MARK
Mar 17, 2025
Arlington, VA
Verified

Super Team!!!!
James
Jan 06, 2025
Warrenton, VA
Verified

Many thanks
Jennifer
Dec 16, 2024
Stephens City, VA
Verified

As always, Joe takes care of my clients and the communication along the way is phenomenal.

Video gallery

View More

Awards

Causes & Memberships

member of Guild Giving
NMLS ID #220243
I am authorized to do business in the states of Florida, Maryland and Virginia. (www.nmlsconsumeraccess.org/);