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https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard
Sales Manager NMLS# 356309
Stephen Thaggard is a trusted mortgage professional in Viera, FL 32940
Embrace Home Loans is pleased to have Stephen Thaggard, on our team since 2010. Stephen was recently promoted to Sales Manager of our new Viera, Florida office. Stephen has worked within the mortgage industry for the past 21 years, starting as a Loan Officer, and working his way up to owni...
2025,2023-2014
5 (5 stars)
Silvia K. from Melbourne, FL
Completed transaction in July 12, 2026
As a Realtor, I trust very few people with my clients, and that’s why I refer all of my lending business to him. I know that every client I send his way will be treated with professionalism, honesty, and exceptional care. He is incredibly dedicated, patient, and takes the time to explain every step of the loan process in a way that makes clients feel comfortable and confident. Buying a home can be overwhelming, but he has a unique ability to make the process clear and stress-free. One of the things I appreciate most is his communication. He is always available whenever possible, and if he’s busy, he always returns calls as soon as he can. My clients consistently tell me how supported, informed, and valued they feel throughout the entire transaction. Having a lender I can trust is invaluable, and he has earned that trust time and time again. I highly recommend him to anyone looking for a knowledgeable, responsive, and genuinely caring loan officer.
5 (5 stars)
Marcos S. from Grant Valkaria, FL
Completed transaction in July 12, 2026
I am so happy The best experience
5 (5 stars)
Donna M. from Melbourne, FL
Completed transaction in July 09, 2026
Very friendly, quick response, explained things so i could understand, patient with me, Highly recommend
5 (5 stars)
Michael W. from Palm Bay, FL
Completed transaction in July 03, 2026
Stephen and Karen were very professional, always kept us in the loop at what stage we were in, offered suggestions ad options when we didn't think we had any. Customer service was above and beyond.
5 (5 stars)
Euceny T. from Melbourne, FL
Completed transaction in June 20, 2026
Embrace delivers on what they promise. Thank you for helping make my buyers’ experience such a positive and smooth one.
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Explore your options and take advantage of your mortgage opportunities
APPLY NOWYes. Stephen Thaggard can help you explore low and no down payment options, including FHA, VA, USDA, and exclusive Embrace programs. You may also qualify for local or state assistance depending on your income and location.
Getting pre-approved is simple. You can apply online, schedule a call, or meet with Stephen Thaggard at our Viera branch. We’ll review your income, credit, and homebuying goals, then issue a personalized pre-approval letter. Many buyers choose Embrace’s exclusive Approved to Move program, which goes beyond standard pre-approval by fully underwriting your loan upfront.
Embrace Home Loans is a trusted mortgage lender serving Viera and nearby communities. Our local loan officers offer personalized guidance, competitive rates, and exclusive loan programs designed to support homebuyers from pre-approval through closing. Whether you're a first-time buyer or refinancing, Stephen Thaggard is here to help you reach your goals.
Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Stephen Thaggard will help you compare fixed vs. adjustable rates, down payment requirements, and loan terms and guide you toward the best fit for your situation, whether you're buying your first home or your fifth.
The best mortgage depends on your credit, income, and long-term financial plans. Government-backed loans often offer flexible guidelines, while conventional loans may offer lower rates and reduced fees. Stephen Thaggard will walk you through your options and help you find the right fit.
4.9 (543 Reviews)
