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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 September 09, 2021

    Review By Jesus U. for Tom Stewart

    Completed transaction in September 2021

    He was very helpful and knowledgeable, Mr. Stewart not only guides you all the way, he is patient and made my process very smooth.. I appreciate all his help.

  • 4

    4 Survey completed on September 06, 2021

    Review By Quintin J. for Tom Stewart

    Completed transaction in September 2021

    It was a nice process the whole closing was pretty simple.

  • 5

    5 Survey completed on July 29, 2021

    Review By Jennifer L. for Tom Stewart

    Completed transaction in July 2021

    Tom was very patient and helpful throughout my whole loan process. He even advised me of ways to help with my credit to secure the loan for my house. Out of all parties involved...Tom was the best!

  • 5

    5 Survey completed on June 30, 2021

    Review By Gary N. for Tom Stewart

    Completed transaction in June 2021

    Tom explained the process very clearly so that we did not have many questions, but when we did the explanation was received the same day. The experience was pleasant and expedient.

  • 5

    5 Survey completed on June 26, 2021

    Review By Michael S. for Tom Stewart

    Completed transaction in June 2021

    Very easy to work with. Available anytime i needed or had questions. Everything explained thoroughly. Worked hard to make sure everything worked out and got approved.

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What Is a Title Company and What Do They Do?

Home buying is complicated, and in order to do it successfully (not to mention legally), a number of professionals will need to play a role. These include a mortgage lender, a loan officer, a real estate agent, an attorney, an appraiser, a surveyor, an inspector, and a title company. That last one is often the…

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