Joe Steward

Maryland - Ocean City


8008 Coastal Highway, Suite 2

Ocean City, MD 21842


About Joe

Joe Steward is a Loan Officer at the Embrace Home Loans branch in Ocean City, MD.

He is responsible for delivering financing options to homebuyers and serving as an advocate for them throughout the negotiation and approval process. Joe grew up on the Eastern Shore and is committed to working with Realtors® and builders to promote the unique beach lifestyle the area offers.

Prior to joining Embrace, Joe was a Finance Manager at Hertrich Family of Auto Dealerships for 14 years.

Currently, Joe lives in West Ocean City, Maryland with his beautiful wife Jenny and his delightful daughters Nevaeh and Jocelyn.  Joe is a Jeep enthusiast and spends as many weekends as possible on Assateague Island. He enjoys boating, fishing, golf and spending quality time with his family.

98% Customer Satisfaction Rating
Zillow Icon
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender



5.0 Survey completed on June 16, 2020

Review By Robert M. for Joe Steward

Completed transaction in June 2020

Joe and his team were extremely responsive to our needs. They immediately demonstrated their expertise by providing critical insight into the lending process. We enjoyed a stress free loan process and settlement.


5.0 Survey completed on June 09, 2020

Review By Kevin S. for Joe Steward

Completed transaction in June 2020

Joe Steward is by far the most knowledgeable, professional and friendly Mortgage Broker I have ever dealt with. Explains the options and makes sure I understand. Always keeps us up to date as to the goings on in today’s real estate world. Joe Steward is outstanding.


5.0 Survey completed on June 05, 2020

Review By Lee A. for Joe Steward

Completed transaction in May 2020

Joe helped us navigate through the process quickly and easily, which was fantastic given that we were in Housotn, TX and unable to travel due to COVID-19. I would highly recommend Joe and Embrace.


5.0 Survey completed on June 01, 2020

Review By Michael Q. for Joe Steward

Completed transaction in May 2020

We worked with Joey. Great communication, pleasant, and helpful! Definitely recommend!


5.0 Survey completed on May 26, 2020

Review By Brandon O. for Joe Steward

Completed transaction in May 2020

Very Professional

Mortgage Interest Rates Drop
Rates Hit New Low, While Mortgage Activity Stalls Out

Mortgage activity dropped again, this time falling 1.8% over the week. Refinance applications were down 2%, while applications to purchase a home fell 1%. On both counts, activity is still much higher than one year ago. According to Joel Kan, associate vice president of economic and industry forecasting at the Mortgage Bankers Association, this was…

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