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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
Andrew
Oct 24, 2025
Verified

Joe is a Rock Star!!! He was so incredibly patient with me for almost a year of sorting out in buying vs renting a home in such an expensive climate we live in in Loudoun County! He was there from start to finish giving me so many opitions of different payment and down payment scenarios. you should look no further just call Joe !!!!
Andrew
Oct 23, 2025
Ashburn, VA
Verified

Joe was so patient and easy to work with. He explained everything and went above and beyond to explain and send me all the many differnt options with payments etc... and he was there from start to finish. Rock Star!!!
David
Oct 23, 2025
Herndon, VA
Verified

I have worked with Joe before although I did not use him for my loan. I went with Joe for our refinancing this time as he was able to work with us to monitor the market to help us identify the best time to lock in our target rate.
Sarah
Oct 20, 2025
Culpeper, VA
Verified

Joe is fantastic and his team is a well oiled machine!
Rob B
Oct 20, 2025
Verified

I found Guild and Joe Gallagher to be very good to work with. It’s also a big plus that Guild retains most of the mortgages.
Bob
Oct 20, 2025
Verified

The process went smoothly and Guild provided status feedback as things moved along. Joe was great to deal with and helpful in providing options.

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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/);