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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% Customer Satisfaction Rating
Zillow 5 star rating
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender


  • 5

    5 Survey completed on July 04, 2022

    Review By Lisha M. for Tom Stewart

    Completed transaction in June 2022

    Tom and his team answered all of my questions every step of the way. I am so thankful for all of the hard work that was out into my home loan.

  • 5

    5 Survey completed on June 05, 2022

    Review By Darcie H. for Tom Stewart

    Completed transaction in June 2022

    Tom was always available, communicative and gave us the best advice through the entire process. His team was amazing as well….very organized and everyone stayed late to complete our paper work to ensure we closed on time. Without them we would have lost our locked in rate. Will definitely recommend to family and friends!

  • 4

    4 Survey completed on May 21, 2022

    Review By Ian L. for Tom Stewart

    Completed transaction in May 2022

    Tom was great at responding to me and very informative and friendly

  • 5

    5 Survey completed on April 01, 2022

    Review By Jason B. for Tom Stewart

    Completed transaction in April 2022

    I felt like Tom treated me like family. He listened and understood. He gave me advice and made this home buying experience easy. Thank you Tom.

  • 5

    5 Survey completed on March 04, 2022

    Review By Ryan W. for Tom Stewart

    Completed transaction in March 2022

    Tom was very knowledgeable and readily available whenever I had a question or needed assistance, which in my two year house hunt was quite frequently. He helped make a rather trying experience much easier and I am greatly appreciative of this.

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