Tom Stewart

Virginia - Culpeper


767 Madison Rd., Suite 108

Culpeper, VA 22701


About Tom

Tom has been helping people buy and refinance homes since 2001. His background as a loan officer, manager, broker, and owner has helped create a well-rounded understanding of the entire mortgage process, which Tom uses to help each individual client find the loan that is right for them. Having a background in the military before lending, Tom understands that service to his clients is the top priority and conducts each transaction with the utmost integrity and urgency. He truly walks side by side with each client from start to finish, helping them through the front door of their dream home. Tom enjoys what he does for a living, and that makes a real difference in the client experience.

Tom served four years in the United States Marine Corps and attended both Campbell University in North Carolina and the University of Virginia. He currently resides in Culpeper, Virginia, with his beautiful wife, Christy. They have three amazing children, a daughter, Sarah, and two sons, Chase and Conner. Outside of Embrace, Tom enjoys spending time with family and friends, golfing, and traveling.

98 percent Customer Satisfaction Rating thumbs up
Better Business Bureau logo
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender



5.0 Survey completed on March 04, 2019

Review By Tara C. for Tom Stewart

Completed transaction in February 2019

Tom covered all of the bases with patients, a sense of humor, and a vast amount of knowledge. He made a pretty daunting experience actually a good time. I would definitely recommend him to all of my friends


5.0 Survey completed on February 22, 2019

Review By Brian D. for Tom Stewart

Completed transaction in February 2019

Well, I started this venture around a year ago and Tom has stood by me the whole time with great advise to help me get to where we are today. He always responded to emails with questions I had or concerns. Overall I think Tom went well above just helping me get a mortgage. I would recommend him to anyone. Thanks again Tom. Sincerely. Brian Duvall


5.0 Survey completed on February 15, 2019

Review By Roberto F. for Tom Stewart

Completed transaction in February 2019

Very helpful throughout the whole process and made it very smooth.


5.0 Survey completed on February 06, 2019

Review By Natalie W. for Tom Stewart

Completed transaction in January 2019

Tom was absolutely WONDERFUL! He helped my fiancé and I for over a year while we searched for our perfect home. He was very patient with us througout our entire journey finding our perfect home. He was always so quick to email back/call when we had questions. He made the entire experience very pleasant. It was our first time buying a home and I’m so glad we were recommended to Tom. So happy we are now in our new home!


5.0 Survey completed on January 10, 2019

Review By Gretchen Z. for Tom Stewart

Completed transaction in December 2018

Very good at what they do and keeping me informed . Explained things to make the process go smoother. Very personable. Great experience.

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