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Joe Gallagher – Guild Mortgage Lender

Joe Gallagher

Branch Manager

75 Main Street, Warrenton, VA 20186
Own what matters
Own what matters

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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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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4.9 out of 5.0 stars
Jan 27, 2024

It was a great experience from the beginning to the end
Jan 19, 2024

Joe was always responsive to questions and concerns.
Daniel W
Jan 19, 2024

Joe Gallagher is a rock star his ability to have patience with a complex process is amazing. He is focused, dedicated, and honest! I appreciate everything Academy has done for me! Don't hesitate, use him not some distant online process! He will meet you face to face and get you a pleasant outcome!!! 75 Main Street Warrenton, VA
Penny T
Dec 16, 2023

Communication was excellent. Great teamwork.
Paul N
Nov 01, 2023

Great lender. Working with Joe and team was easy.
Nov 01, 2023

Joe kept me updated and the team was reachable at all times.

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Causes I'm
passionate about

NMLS ID #220243
I am authorized to do business in the states of Florida, Maryland and Virginia. (;