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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 5 star rating
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender


  • 5

    5 Survey completed on December 29, 2021

    Review By Michael B. for Joe Steward

    Completed transaction in December 2021

    Joe was great to work with, very knowledgeable and professional. Worked with me on various loan options. Good guy!

  • 5

    5 Survey completed on November 16, 2021

    Review By John R. for Joe Steward

    Completed transaction in November 2021

    Mr. Stewart was very helpful in guiding me through the complex mortgage process. On more than one occasion I had to speak with him not during regular work hours. He was always available when I needed him.

  • 3

    3 Survey completed on November 08, 2021

    Review By Sharon H. for Joe Steward

    Completed transaction in November 2021

    Joe did a great job but we were all hindered by inefficiency of Title company who we would not do business with in the future.

  • 4

    4 Survey completed on October 08, 2021

    Review By Michael C. for Joe Steward

    Completed transaction in October 2021

    Flexibility and good rates

  • 5

    5 Survey completed on October 05, 2021

    Review By Megan S. for Joe Steward

    Completed transaction in October 2021

    Joe kindly started our process on a Saturday afternoon and set us up to write an offer on a Sunday. He really went above and beyond and we greatly appreciated his help.

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