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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. 

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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.

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Testimonials

Testimonials
4.92 out of 5.0 stars
4.91
5.0
Robert
Oct 09, 2025
Jeffersonton, VA
Verified

Joe was great to deal with!
Michael
Sep 24, 2025
Ruther Glen, VA
Verified

I had an amazing experience working with Joe as my loan officer. From the very beginning, he was professional, patient, and extremely knowledgeable. He explained every step of the process clearly, making sure I understood my options and felt comfortable with each decision. Joe was always quick to answer my questions, no matter how big or small, and kept me updated so I never felt left in the dark.
Adam
Sep 24, 2025
Ruther Glen, VA
Verified

Joe was readily available throughout the process and that is appreciated.
Robert
Sep 20, 2025
Alexandria, VA
Verified

The customer service was excellent and fair
Ashley
Aug 28, 2025
Roanoke, VA
Verified

I have loved working with Joe Gallagher. This is the second time we have worked with him and it has been such a wonderful experience both times . He does a great job of walking you through the process and helping you feel valued.
Kendra
Aug 16, 2025
Berryville, VA
Verified

couldn't have asked for a better first time home buyer experience. was as easy as it could get for the process of getting a loan. took the time to explain and understand how the process of a loan would be .

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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/);