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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. Read all customer reviews here.
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
Melissa
Jan 1, 2026
Culpeper, VA
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Joe and his team were great to work with. They made the mortgage loan process so easy. Joe was highly ...See more
Saeed S.
Jan 1, 2026
Ashburn, VA
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Joe and his team were great.
Paul
Dec 29, 2025
Warrenton, VA
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Joe and his team were on top of everything and always kept me informed!
Emely
Dec 29, 2025
Joe and Danette were incredibly helpful throughout my home purchase. Joe truly took the time to understand my situation,...See more
Emely
Dec 26, 2025
Fairfax, VA
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Joe and Danette were incredible effiicient and helful throughout my home purchase. Joe truly took the time to understand...See more
Melissa M.
Dec 22, 2025
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Joe and his team are fantastic to work with! Very knowledgeable and great communication! Highly recommend!

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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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