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 October 09, 2019

Review By John S. for Tom Stewart

Completed transaction in October 2019

Very thorough and polite. Highly recommend.


5.0 Survey completed on September 02, 2019

Review By Natalie P. for Tom Stewart

Completed transaction in August 2019

When buying a home one normally would not not expect this to be a fun experience. For being a first time home buyer, Tom made this as painless as possible. Tom was always there to answer and questions we had as first time home buyers, and was there ever single step of the way. Tom went out of his way to make sure that we had just the right loan for us and our situation. We honestly, could not have done this without him. Very thankful we were referred to Tom, we trust him fully.


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!

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