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Joe Gallagher

Branch Manager

NMLS# 220243

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. 

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

The rating and reviews below represent my top reviews.
4.92 out of 5.0 stars
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4.9
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5.0
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5.0
John
Nov 3, 2025
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In all of my experience I've never had a process that went so well. It felt almost effortless and everyt...See more
Muhammad
Nov 4, 2025
"I had an outstanding experience working with Joe and the team at Guild Mortgage for our home purchase. From the very fi...See more
Andrew
Nov 2, 2025
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Joe was so patient and easy to work with. He explained everything and went above and beyond to explain and send me all t...See more
David
Nov 2, 2025
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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 ...See more
Sarah
Oct 6, 2025
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Joe is fantastic and his team is a well oiled machine!
Andrew
Oct 6, 2025
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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 ...See more

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Awards

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Causes & Memberships

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NMLS ID #220243

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

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