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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 June 30, 2021

    Review By Jeffrey M. for Joe Steward

    Completed transaction in June 2021

    Joe was so easy to work with. He was able to answer questions and guide us in the loan process in a prompt and friendly manor. It was a joy to work with Joe and his team.

  • 5

    5 Survey completed on June 15, 2021

    Review By Leland S. for Joe Steward

    Completed transaction in June 2021

    Joe was outstanding. Oddly I was referred to Joe by a realtor who ultimately let me down (the realtor that is). Joe was able to recommend an excellent realtor who helped me find the right property and make the purchase. Joe was thorough and kept excellent communication throughout the process. He also made great recommendations on local insurance agents that again were key in completing the purchase. I would 100% recommend Joe and Embrace.

  • 5

    5 Survey completed on June 04, 2021

    Review By Amy C. for Joe Steward

    Completed transaction in May 2021

    Joe was very friendly and communicated effectively. He made purchasing my home extremely easy.

  • 5

    5 Survey completed on May 27, 2021

    Review By Sandra B. for Joe Steward

    Completed transaction in May 2021

    I feel truly blessed to have had Joe Steward as my Loan Officer for my new purchase. This was a complex and complicated transaction to work at times. He walked me through it and made it a very pleasant process. Joe Steward came highly recommended to me, and I completely understand why. I highly recommend him to anyone who may require his professional capabilities, as well as his personal pleasantries, throughout their transaction. Thank You, Joe!!!~ Your Guidance Was Greatly Appreciated!!!

  • 5

    5 Survey completed on May 24, 2021

    Review By Shane W. for Joe Steward

    Completed transaction in May 2021

    Joe was very informative, was always there to answer any questions we had. He made this experience quick and painless. We really enjoyed his services and would recommend his business to our friends and loved ones. Thanks again !!!

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