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Stephen Thaggard

Florida - Viera

5500 Murrell Road, Suite 201

Viera, FL 32940


About Stephen

Embrace Home Loans is pleased to have Stephen Thaggard, on our team since 2010. Stephen was recently promoted to Sales Manager of our new Viera, Florida office.  Stephen has worked within the mortgage industry for the past 21 years, starting as a Loan Officer, and working his way up to owning and operating his own mortgage Company, BeechTree Mortgage, Inc., in Cocoa Beach, FL.
His career, here at Embrace, has proven to be very successful, as he demonstrates a true understanding of his customer’s needs and goals. Likewise, he is a company recognized member of the President’s Club since 2014.  Stephen focuses on assisting Builders, Realtors and Home Buyers with Florida mortgage options and solutions to empower each individual Florida home buyer.  This experienced Sales Manager is an expert in his field and takes pride in finding the right loan product for his clients, as he understands every situation differs and no two borrowers are the same.  

Stephen is also a member of FAMP – Florida Association of Mortgage Professionals and MBA – Mortgage Bankers Association.  Currently he lives in Merritt Island, FL with his wife Karen Thaggard and their 3 children Blake, Brandi and Logan. His oldest son, Ryan, lives in Sarasota, FL.  Stephen was born in Jacksonville, FL and raised in Virginia Beach, VA. He and his family love swimming at the beach or pool, surfing and boating; and of course, game night!

embrace home loans Presidents Club 2020 - 2014
98% Customer Satisfaction Rating
Zillow 5 star rating
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender


  • 4.5

    4.5 Survey completed on May 07, 2021

    Review By Kelsie S. for Stephen Thaggard

    Completed transaction in April 2021

    Using the Thaggard’s was such a great experience. Both Stephen and his wife Karen worked so well with us and I knew I always had someone to answer questions which is often when buying a house. Embrace homes is so lucky to have them as an asset!

  • 5.0

    5.0 Survey completed on May 05, 2021

    Review By Vincent M. for Stephen Thaggard

    Completed transaction in April 2021

    Steve was very attentive to my needs. He was readily accessible to me even on weekends. Steve kept me in the loop of the progress from the start of the closing process to the actual closing day. Thanks again to Steve and his staff who assisted me throughout

  • 5.0

    5.0 Survey completed on April 18, 2021

    Review By Ronald M. for Stephen Thaggard

    Completed transaction in April 2021

    Stephen and Karen are wonderful to work with. My wife and I have done business with them before and it is always pleasant and professional. Highly recommend.

  • 5.0

    5.0 Survey completed on April 11, 2021

    Review By Gino A. for Stephen Thaggard

    Completed transaction in April 2021

    Friendliness & personable is how Steve made me feel. Dealing with Steve and Karen never felt like I was dealing with "bankers" in a bank atmosphere. Steve took care of my refinance easily and made the transaction go smoothly and at the same time he delivered my best rate and closing fees. I highly recommend the Thaggard team!

  • 5.0

    5.0 Survey completed on April 06, 2021

    Review By Lawrence J. for Stephen Thaggard

    Completed transaction in April 2021

    Communication was great!

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Home Purchases Dip, as Mortgage Rates and Prices Rise

Homebuyers took a break last week, as rates rose and prices continued their upward climb. According to the Mortgage Bankers Association, applications to purchase a home were down 3% from a week ago, marking the second consecutive week of declines. This happened as the average 30-year mortgage rate rose — from 3.17% to 3.18% —…

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