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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


  • 5.0

    5.0 Survey completed on April 03, 2021

    Review By Derick E. for Joe Steward

    Completed transaction in March 2021

    Joe is professional, diligent and provides details to make his customers understand their package. Thx for such a quick turnaround time to close on our condo; Joe’s support was instrumental in getting the job done. Thx so much.

  • 5.0

    5.0 Survey completed on March 31, 2021

    Review By Robert P. for Joe Steward

    Completed transaction in March 2021

    Joe came highly recommended by a friend of mine. Right from the start, I noticed that Joe was accessible, very knowledgeable, and easy to work with. I would highly recommend him to anyone seeking a low mortgage rate and looking to close on time.

  • 5.0

    5.0 Survey completed on March 30, 2021

    Review By Robert D. for Joe Steward

    Completed transaction in March 2021

    Joe, even though there were many challenges to my loan, he got it done! He went above and beyond to get this loan to close.

  • 4.5

    4.5 Survey completed on March 12, 2021

    Review By Jeffrey H. for Joe Steward

    Completed transaction in March 2021

    Nice job.

  • 5.0

    5.0 Survey completed on March 11, 2021

    Review By Edward W. for Joe Steward

    Completed transaction in January 2021

    Felt like personal attention to our need and no nonsense instructions that was accurate

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