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
Better Business Bureau logo
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender



5.0 Survey completed on July 28, 2019

Review By Robert F. for Tom Stewart

Completed transaction in July 2019

I love everything


5.0 Survey completed on July 07, 2019

Review By Eric S. for Tom Stewart

Completed transaction in June 2019

Tom was a great person to work with. He answered my questions quickly. He did a great job with explaining all processes


5.0 Survey completed on June 10, 2019

Review By Jerry E. for Tom Stewart

Completed transaction in May 2019

I had an amazing experience with Tom and embrace altogether. This is the second time I've used embrace to buy a home and I would choose them again if I were to buy another. Tom was very responsive and helpful in digging deep into the numbers which I was in constant communication with him about. Truly did an outstanding job!


5.0 Survey completed on June 05, 2019

Review By Bruce G. for Tom Stewart

Completed transaction in May 2019

The home buying experience was made very easy by Tom and Christi. They sent a list of what was needed and made it simple to get it to them, they kept us updated and made the whole process easy and stress free!


5.0 Survey completed on June 04, 2019

Review By Monique M. for Tom Stewart

Completed transaction in May 2019

Tom was very pleasant and always made himself available. He went out of his way and worked after business hours to help answer questions and get things done. We were fulll of questions and he was always there to answer every one. Tom warned us when things were to pick up and held our hand every step of the way. He worked wonderfully with our realtor and they were both able to get us to closing right in time to be out of our previous home. We could not have asked for a better team.

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