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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


  • 5.0

    5.0 Survey completed on February 28, 2021

    Review By Kerycia P. for Tom Stewart

    Completed transaction in February 2021

    Tom was very prompt in his responses. Very helpful

  • 5.0

    5.0 Survey completed on February 24, 2021

    Review By Randy P. for Tom Stewart

    Completed transaction in February 2021

    Tom was very responsive and informative when we had questions or a need arose. We really enjoyed working with him.

  • 5.0

    5.0 Survey completed on February 16, 2021

    Review By Richard R. for Tom Stewart

    Completed transaction in February 2021

    This is our second time working with Tom and his standard of care has always been excellent and attentive. Despite challenges with the pandemic he ensured we were able to refinance as smoothly as possible. Thanks Tom!

  • 5.0

    5.0 Survey completed on February 15, 2021

    Review By Cynthia S. for Tom Stewart

    Completed transaction in February 2021

    Excellent communication with very timely responses, and clarity with what’s needed. A process that takes patience to undergo, and Tom explains everything clearly and effectively. Good job Tom and Embrace team! We were very satisfied with this experience.

  • 5.0

    5.0 Survey completed on February 13, 2021

    Review By Hannah V. for Tom Stewart

    Completed transaction in February 2021

    Tom is excellent! We were first time home buyers in 2019 and we just refinanced with Tom and Embrace again in 2020-2021. Both times have been much smoother than I anticipated. Our real-estate agent even mentioned she wanted to add Tom and Embrace to their preferred lenders list because she was so impressed. Tom cares a lot about what he does and the people he works with. Even through emails/phone it feels personal, like he is on our team. That means a lot to us. Will recommend him to everyone!

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Mortgage Rates, Applications Jump Thanks to Economic Optimism

Mortgage applications recovered slightly from last week, inching up 0.5% compared to the week prior, according to the Mortgage Bankers Association. Purchase loans increased by 2%, while refinance loans rose just 0.1%. The news is a little surprising given the notable jump seen in rates over the week. The average rate on 30-year, fixed-rate loans…

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