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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 January 04, 2022

    Review By Christopher M. for Tom Stewart

    Completed transaction in January 2022

    Tom’s continued persistence when we had a bump in the road. He continued on researching and exhausting all avenues to get the re-fi done. Can’t thank him and his team enough!

  • 5

    5 Survey completed on December 25, 2021

    Review By Justin V. for Tom Stewart

    Completed transaction in December 2021

    The fact that Mr. Stewart and his coworkers provided excellent service and answered any and all questions that I had in a timely manner will definitely use them again in the future and refer them to everyone I know.

  • 5

    5 Survey completed on December 09, 2021

    Review By Mark B. for Tom Stewart

    Completed transaction in December 2021

    Lots of help, answers emails timely.

  • 3

    3 Survey completed on November 04, 2021

    Review By Taylor R. for Tom Stewart

    Completed transaction in October 2021

    Could have been better communication throughout the process. Not telling us what was needed until last minute, pushing the closing date farther out. Being first time homebuyers, could have explained things better.

  • 4

    4 Survey completed on October 25, 2021

    Review By Sherron B. for Tom Stewart

    Completed transaction in October 2021

    Great people to work with.

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What Is a Mortgage Loan?

A mortgage is a type of loan used to purchase a home.  Since most homebuyers do not have hundreds of thousands in cash on hand, the majority of consumers use mortgage loans to purchase their properties. This allows them to spread the cost of the home out over time — often many decades. According to…

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