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 Icon
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender



5.0 Survey completed on April 01, 2020

Review By Charles H. for Tom Stewart

Completed transaction in April 2020

2nd time using Tom, he makes the process so easy! Thnx Tom


5.0 Survey completed on March 14, 2020

Review By Hastings F. for Tom Stewart

Completed transaction in March 2020

Tom is a great guy...known him for years. He made this an absolutely painless process for me! Highly recommend him! H Foote


5.0 Survey completed on March 13, 2020

Review By Jordan W. for Tom Stewart

Completed transaction in March 2020

Tom was always quick to communicate, encourage, and respond! Can’t think of how a mortgage experience could’ve gone better!


5.0 Survey completed on February 10, 2020

Review By Joseph R. for Tom Stewart

Completed transaction in February 2020

Tom has been a true God sent person. Our loan process was the most difficult thing that I have ever been through in my LIFE!!!!, but Tom was stead fast and saw us through to the finish line we cannot THANK him enough. Thank you Tom for being who you are you are excellent at your job.


5.0 Survey completed on December 20, 2019

Review By Kenneth M. for Tom Stewart

Completed transaction in December 2019

Not only did Tom get me a loan when others had already turned me down, he trusted me to stick to my word and he always stuck to his. He was with to respond, thorough in his explanations, and transparent the whole way through.

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