Joe Gallagher, Warrenton VA Loan Officer: Northern Virginia native specializing in mortgage solutions since 2003. Serving Warrenton, Gainesville, Haymarket, Loudoun, Prince William, Fairfax, Stafford, and Culpeper. Expert guidance for first-time homebuyers, refinancing (rate reduction, home improvement, debt consolidation), and investment property purchases. Let me help you achieve your financial goals through strategic mortgage planning.