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Tom Stewart

Tom Stewart

Branch Manager
Phone: 800.333.3004 ext. 3509
Mobile: 540.229.4846
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About

Embrace Home Loans is excited to announce the addition of Senior Loan Officer, Tom Stewart to our Culpeper, VA office. Tom has 16 years’ experience in mortgage lending, and loves the challenge of helping each individual client find financing for their dream home and making it happen.  Prior to working at Embrace he worked as a mortgage Loan Originator and Manager of a local mortgage brokerage.  Tom is an active member of professional trade associations, such as the Culpeper Chamber of Commerce, the Lead Share Group and PRO Networking


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 beautiful wife, Christy. They have three amazing children, a daughter Sarah and two sons, Chase and Conner. Outside of Embrace Tom enjoys golfing, snowboarding and traveling. Some other hobbies of his are reading and writing in his free time. 

 

Branch: Virginia - Culpeper, 767 Madison Rd., Suite 108 Culpeper, VA 22701

Tom Stewart, NMLS# 296025 , is employed by Embrace Home Loans and is licensed in:
VA

Reviews (55 Reviews)

5.0
5.0 Survey completed on August 13, 2018
Reviewed By Christine W. for Tom Stewart
Completed transaction in August 2018
Tom Stewart was amazing to work with. He helped me achieve my life long dream of homeownership!
5.0
5.0 Survey completed on August 7, 2018
Reviewed By Brittany S. for Tom Stewart
Completed transaction in August 2018
We had a pretty complicated transaction and without the help of Tom Stewart & Christi Miller we would have been completely lost! They were absolutely fantastic beginning to end. They were professional, thorough, and responsive. They went above and beyond and were there every step of the way to ensure that we did everything right. We are so thankful for them and the Embrace Culpeper team! Highly recommend!We had a pretty complicated transaction and without the help of Tom Stewart & Christi Miller we would have been completely lost! They were absolutely fantastic beginning to end. They were professional, thorough, and responsive. They went above and be ...read full review
5.0
5.0 Survey completed on August 1, 2018
Reviewed By Steve G. for Tom Stewart
Completed transaction in July 2018
The team was on top of everything! They basically carried me through the process. I would definitely work with them again!
5.0
5.0 Survey completed on July 11, 2018
Reviewed By Justin M. for Tom Stewart
Completed transaction in June 2018
Solid advice and a great person to work with!
4.0
4.0 Survey completed on July 3, 2018
Reviewed By Justin W. for Tom Stewart
Completed transaction in June 2018
Tom was very up front with everything from the contract to the final steps. I would have really liked for him to be at the title company for closing and some of the contracts we need to sign had miss information too that took several re writes to correct. Having never been through this I don’t know if this is the norm or not but Tom is a really great guy to work with and was up front with everything so there were no surprises.Tom was very up front with everything from the contract to the final steps. I would have really liked for him to be at the title company for closing and some of the contracts we need to sign had miss information too that took several re writes to cor ...read full review
4.5
4.5 Survey completed on July 3, 2018
Reviewed By Kathy W. for Tom Stewart
Completed transaction in June 2018
Number one thing, very easy to ask questions and get fast responses. Office staff was very friendly and Tom was always wiling to accommodate our schedule. He was very personable and always took the time to ask us how we were doing, took an interest in our family and they goings on in our life. Not only were we buying a house at the time but we had a baby at the same time. Tom made sure that our family came first, but also made sure we closed on our home in a timely manner. Number one thing, very easy to ask questions and get fast responses. Office staff was very friendly and Tom was always wiling to accommodate our schedule. He was very personable and always took the time to ask us how we were doing, took an interest ...read full review
4.667
4.667 Survey completed on June 3, 2018
Reviewed By David S. for Tom Stewart
Completed transaction in May 2018
We felt that Embrace with Tom Stewart and team were very welcoming, through, and professional in this loan process. Though the process required a lot of paper work, we found that Tom communicated well with us in what was needed and was patient and supportive in helping us gather those materials. He was also very accurate in the estimated for the closing costs. I doubt that we will purchase another property again, but if we do we would not hesitate to us Embrace again.We felt that Embrace with Tom Stewart and team were very welcoming, through, and professional in this loan process. Though the process required a lot of paper work, we found that Tom communicated well with us in what was needed and was patient and su ...read full review
5.0
5.0 Survey completed on May 7, 2018
Reviewed By Laura S. for Tom Stewart
Completed transaction in April 2018
Tom was very personable and was willing to work with us for our unique situation.
4.833
4.833 Survey completed on May 7, 2018
Reviewed By Joshua S. for Tom Stewart
Completed transaction in April 2018
Tom stayed on top of everything and always was quick to respond and answer when we needed help. Closing was a lot easier then we expected!
5.0
5.0 Survey completed on March 18, 2018
Reviewed By Fernando R. for Tom Stewart
Completed transaction in March 2018
His patience and ability to respond to questions in a timely manner made the whole experience very easy.
5.0
5.0 Survey completed on February 27, 2018
Reviewed By Karen B. for Tom Stewart
Completed transaction in February 2018
His responses were speedy and friendly. He was willing to talk and provide information regarding my options and showed patience when I changed my mind.
5.0
5.0 Survey completed on February 7, 2018
Reviewed By Joshua B. for Tom Stewart
Completed transaction in February 2018
Tom was very knowledgeable, helpful and available. Made the home buying process very pleasant as a first time buyer.
5.0
5.0 Survey completed on February 1, 2018
Reviewed By Jorge C. for Tom Stewart
Completed transaction in January 2018
Tom and his employees made everything as easy as possible. It was great doing business with them, thanks for all your help.
5.0
5.0 Survey completed on January 27, 2018
Reviewed By Nannie H. for Tom Stewart
Completed transaction in January 2018
The communication and being upfront from the beginning to the end. Tom and his team were exceptional...Cristi & Juli were amazing. Cristi thank you for everything! Tom I can't believe we went thru this whole process w/out even meeting...Even took a trip to Disney w/out me! It was a great experience and I will send other people your way. Thank You for such a pleasant experience!!! The communication and being upfront from the beginning to the end. Tom and his team were exceptional...Cristi & Juli were amazing. Cristi thank you for everything! Tom I can't believe we went thru this whole process w/out even meeting...Even took a ...read full review
5.0
5.0 Survey completed on January 22, 2018
Reviewed By Caleb N. for Tom Stewart
Completed transaction in January 2018
Exclude last name and picture.
4.333
4.333 Survey completed on January 8, 2018
Reviewed By Gerardo R. for Tom Stewart
Completed transaction in December 2017
Ok
5.0
5.0 Survey completed on December 12, 2017
Reviewed By Roxanne B. for Tom Stewart
Completed transaction in December 2017
Tom and his team was great to work with. They was always there to help and answered any questions we had. They were very efficient. Would recommend them.
5.0
5.0 Survey completed on December 10, 2017
Reviewed By Christina T. for Tom Stewart
Completed transaction in December 2017
Made sure all was ready and prepped for closing. Communication was great!
5.0
5.0 Survey completed on December 7, 2017
Reviewed By Earl T. for Tom Stewart
Completed transaction in December 2017
The entire team made our transaction simple and painless! Wonderful experience and great customer service.
5.0
5.0 Survey completed on November 1, 2017
Reviewed By Samantha C. for Tom Stewart
Completed transaction in October 2017
Tom responded quickly, offered great advice, and was always there checking in and giving thorough information and feedback. It was a wonderful experience and I would highly recommend his services to anyone needing a great lender! Thank you again, Tom! Tom responded quickly, offered great advice, and was always there checking in and giving thorough information and feedback. It was a wonderful experience and I would highly recommend his services to anyone needing a great lender! Thank you again, Tom ...read full review
5.0
5.0 Survey completed on October 25, 2017
Reviewed By Willie S. for Tom Stewart
Completed transaction in October 2017
Very efficient, informative and professional. The total process exceeded all my expectations. Thomas was more a close friend than a mortgage loan officer. Thank you.
5.0
5.0 Survey completed on October 17, 2017
Reviewed By Daniel S. for Tom Stewart
Completed transaction in October 2017
Mr. Stewart was on top of the process every step of the way. He was in constant contact to let us know the status of the process and to make sure we knew every document or form needed. Mr. Stewart worked very quickly to get our loan application and approval accepted. He kept us well informed during the entire process and we never had to wait without knowing the status. His manner was very friendly and we never felt pressured during the process. I highly recommend Mr. Stewart.Mr. Stewart was on top of the process every step of the way. He was in constant contact to let us know the status of the process and to make sure we knew every document or form needed. Mr. Stewart worked very quickly to get our loan application and a ...read full review
5.0
5.0 Survey completed on October 6, 2017
Reviewed By Richard S. for Tom Stewart
Completed transaction in October 2017
Tom and his team was very helpful, responsive and we are happy to recommend him
5.0
5.0 Survey completed on September 16, 2017
Reviewed By Nathan O. for Tom Stewart
Completed transaction in September 2017
Tom has alot of experience to give the advice necessary to get things done. Overall it was a quick pleasant and transparent process. Thank you.
5.0
5.0 Survey completed on August 10, 2017
Reviewed By Scott M. for Tom Stewart
Completed transaction in July 2017
We really appreciated how helpful and supportive Tom was throughout the whole mortgage process. He was very informative and made us feel like we were his number one priority--we would definitely recommended others to him!
5.0
5.0 Survey completed on August 4, 2017
Reviewed By Melissa P. for Tom Stewart
Completed transaction in July 2017
The patience and going the extra mile to explain any questions I had. Very nice folks to work with. thank you all
5.0
5.0 Survey completed on August 4, 2017
Reviewed By Nathan N. for Tom Stewart
Completed transaction in July 2017
Tom and his team were always helpful and kind through the process. I was kept informed of every step and we even closed early! I would highly recommend Tom Stewart!
5.0
5.0 Survey completed on August 3, 2017
Reviewed By Carla B. for Tom Stewart
Completed transaction in July 2017
Working with Tom was a great experience. My home buying process went very smooth and I appreciate how painless this process was.
5.0
5.0 Survey completed on July 31, 2017
Reviewed By Mark B. for Tom Stewart
Completed transaction in July 2017
Tom took time to answer each and every question, explain details and never, ever made us feel bad for asking silly questions. I really appreciated his candor, honesty and advice. I'm glad we had the chance to work with him!
5.0
5.0 Survey completed on July 13, 2017
Reviewed By Natasha S. for Tom Stewart
Completed transaction in June 2017
Tom was great, he was quick to take care of things or answer back. He really tried to break things down and make it understandable. He worked every bit as quickly as we did to get us into a new house :)
5.0
5.0 Survey completed on June 30, 2017
Reviewed By Donald H. for Tom Stewart
Completed transaction in June 2017
Hi Tom, Working with you and your team was awesome! You guys answered all of our questions and responded quickly to every email and text. The way you explained the process along the way was also awesome! Thank you for taking such good care of us! Hi Tom, Working with you and your team was awesome! You guys answered all of our questions and responded quickly to every email and text. The way you explained the process along the way was also awesome! Thank you for taking such good care of us! ...read full review
5.0
5.0 Survey completed on June 27, 2017
Reviewed By Justin S. for Tom Stewart
Completed transaction in June 2017
Tom and his team, are top notch! They're always friendly, knowledgeable, and extremely thorough, yet it doesn't feel the least bit stressful, as most house buying experiences can be! I've never experienced a smoother process in buying a home! I would highly recommend Tom!Tom and his team, are top notch! They're always friendly, knowledgeable, and extremely thorough, yet it doesn't feel the least bit stressful, as most house buying experiences can be! I've never experienced a smoother process in buying a home! I woul ...read full review
5.0
5.0 Survey completed on April 15, 2017
Reviewed By Joe for Tom Stewart
Completed transaction in April 2017
Everything went smoothly! We even got to close early.
5.0
5.0 Survey completed on March 29, 2017
Reviewed By Rachel for Tom Stewart
Completed transaction in March 2017
This was my first experience with buying a home by myself. He made it easy and always worked Very hard for me. Him and his staff were so understanding with my little knowledge of getting a home loan. I will tell everyone about the great service I have gotten with embrace home loans. I rate this company 5 stars and am very pleased with everything.This was my first experience with buying a home by myself. He made it easy and always worked Very hard for me. Him and his staff were so understanding with my little knowledge of getting a home loan. I will tell everyone about the great service I ha ...read full review
5.0
5.0 Survey completed on March 10, 2017
Reviewed By Charles for Tom Stewart
Completed transaction in March 2017
Tom and Christi Thank You! Received a home loan from Tom Stewart's team, from start to finish throughout the loan process it was an enjoyable experience! I recommend Tom Stewart and his Team to anyone looking for a home loan, you won't be disappointed!!Tom and Christi Thank You! Received a home loan from Tom Stewart's team, from start to finish throughout the loan process it was an enjoyable experience! I recommend Tom Stewart and his Team to anyone looking for a home loan, you won't be disappoint ...read full review
5.0
5.0 Survey completed on February 11, 2017
Reviewed By The B. for Tom Stewart
Completed transaction in February 2017
We have been through the home loan process twice now and Tom, Cristi, and Emily really made this time super painless. From the start Tom was amazing answering the laundry list of questions we had about the refi process was patient with us while we took over a month to decided if it was the right decision. When we didmt evem feel the need to shop other mortgage companies because we knew the awesome service we were getting from the Embrace home loan team. We loved the online portal that made things super organized and easy to see what docs where required and how we didnt have to interrupt our lives to make special trips the their office all the time. After the closing Tom and Cristi both reached out to check on us and see if we had any additional questions and celebrated with us when we paid off the credit card with our cash out. Thanks guys you are amazing and will definitely be the team we refer to our friends and family.We have been through the home loan process twice now and Tom, Cristi, and Emily really made this time super painless. From the start Tom was amazing answering the laundry list of questions we had about the refi process was patient with us while we t ...read full review
5.0
5.0 Survey completed on January 10, 2017
Reviewed By Will T. for Tom Stewart
Completed transaction in January 2017
Tom and his team did an awesome job!
5.0
5.0 Survey completed on December 18, 2016
Reviewed By Garcia for Tom Stewart
Completed transaction in December 2016
All the folks we dealt with were friendly and helpful.
5.0
5.0 Survey completed on October 7, 2016
Reviewed By Jordan for Tom Stewart
Completed transaction in October 2016
It was so easy to work with Tom and the team at Embrace. It made arranging the right mortgage stress free. I couldn't ask for a better loan process experience.
5.0
5.0 Survey completed on October 6, 2016
Reviewed By Simongunz for Tom Stewart
Completed transaction in October 2016
This is the 2nd time we have worked with Tom in as many years and we wouldn't think twice about wotking with him again for our mortgage or refinance, no stress, no pressure and no problems!
5.0
5.0 Survey completed on March 31, 2016
Reviewed By dferlazzo8 for Tom Stewart
Completed transaction in March 2016
Tom did a great job on refinancing by home. He answered all my questions and always responded quickly. I did not understand a lot of the refinance process and Tom explained in detail the entire process. I would recommend him to anyone looking to refinance their home.Tom did a great job on refinancing by home. He answered all my questions and always responded quickly. I did not understand a lot of the refinance process and Tom explained in detail the entire process. I would recommend him to anyone looking to refi ...read full review
5.0
5.0 Survey completed on March 29, 2016
Reviewed By country2002 for Tom Stewart
Completed transaction in March 2016
Absolutely would recommend Tom to everyone! When he says he going to do something he does it, with pride and knowledge! I had the most amazing experience working with Tom for the refinance of my home! He is very detailed and knows exactly what the lawyer would say! His attitude is outstanding and will return phone calls and emails very promptly! I throughly enjoyed working with Tom! He's not only knowledgable at what he knows but takes his time so you understand what needs to be done! Very helpful in every way possible! ??Absolutely would recommend Tom to everyone! When he says he going to do something he does it, with pride and knowledge! I had the most amazing experience working with Tom for the refinance of my home! He is very detailed and knows exactly what the la ...read full review
5.0
5.0 Survey completed on March 29, 2016
Reviewed By brierwoodk9 for Tom Stewart
Completed transaction in March 2016
You can't go wrong here. Tom and his team are very knowledgeable and professional. Tom especially is very detail oriented, all the T's are crossed and the I's dotted, making sure your information is correct and your loan is ready for the next step.
5.0
5.0 Survey completed on March 29, 2016
Reviewed By zuser20150324102559279 for Tom Stewart
Completed transaction in March 2016
My relationship with Tom started a year before I was actually ready to buy. Tom and I discussed various VA rules, and agreed to touch base in a year. A year passed, and I was ready to move forward, Tom remember me, and got busy attaining everything I needed to purchase my new home. I Closed on my home soon after. Tom and the SLS team, paired with my wonderful realtor, took excellent care of me. I truly couldn't be happier with each and everyone of them. Tom is a man of his word, a Marine Veteran who without a doubt has my utmost respect and gratitude. SLS may use me as a reference anytime. 100% Satisfied !My relationship with Tom started a year before I was actually ready to buy. Tom and I discussed various VA rules, and agreed to touch base in a year. A year passed, and I was ready to move forward, Tom remember me, and got busy attaining everything ...read full review
5.0
5.0 Survey completed on February 13, 2016
Reviewed By Mary M. for Tom Stewart
Completed transaction in February 2016
We've had the pleasure of working with Tom twice. I would highly recommend Tom and his staff, whether you're a first-time home buyer or not. The office is professional, helpful and available for all your concerns and questions. You won't go wrong having Tom on your side. He is also very knowledgeable about VA loans.We've had the pleasure of working with Tom twice. I would highly recommend Tom and his staff, whether you're a first-time home buyer or not. The office is professional, helpful and available for all your concerns and questions. You won't go wrong hav ...read full review
5.0
5.0 Survey completed on February 10, 2016
Reviewed By samuelmartin87 for Tom Stewart
Completed transaction in February 2016
Tom Stewart and his team provided excellent service during our home purchase this last summer. I would highly recommend them if you are looking for honest, timely, and professional service from well experienced mortgage professionals.

Thank you Tom and SLS mortgage!
Tom Stewart and his team provided excellent service during our home purchase this last summer. I would highly recommend them if you are looking for honest, timely, and professional service from well experienced mortgage professionals.

Thank
...read full review
5.0
5.0 Survey completed on February 10, 2016
Reviewed By lmcurtisjackson for Tom Stewart
Completed transaction in February 2016
I highly recommend Debbie Price and Tom Stewert and his team! These people are so compassionate about what they do! Debbie was so helpful and patient with us. From the first time we met with Tom he educated us so much on different loans and programs. My home buying experience was a journey to say the least and I honestly believe in my heart , if it was not for Tom and his team- I would not own my home today.I highly recommend Debbie Price and Tom Stewert and his team! These people are so compassionate about what they do! Debbie was so helpful and patient with us. From the first time we met with Tom he educated us so much on different loans and programs. ...read full review
5.0
5.0 Survey completed on February 8, 2016
Reviewed By davidkhartman for Tom Stewart
Completed transaction in February 2016
We used Tom at SLS mortgage for our initial purchase of our home in August of 2012. This is my 6th property I have purchased. Tom and the team at SLS were so on it and easy to work with. They took care of and thought of everything to make the process smooth and easy. This past summer in 2015 we refinanced as the value of our house was increasing and we were able to get a little better deal on our financing I went back to Tom and once again had a great experience. I highly recommend Tom and SLS Mortgage, but only if you want a hassle free easy home buying process!We used Tom at SLS mortgage for our initial purchase of our home in August of 2012. This is my 6th property I have purchased. Tom and the team at SLS were so on it and easy to work with. They took care of and thought of everything to make the process ...read full review
5.0
5.0 Survey completed on October 11, 2015
Reviewed By bfrey1 for Tom Stewart
Completed transaction in October 2015
Tom and company were very helpful and professional in getting us the loan we needed at the last minute. I definitely would use them again and very highly recommended!
5.0
5.0 Survey completed on September 25, 2015
Reviewed By owensdr for Tom Stewart
Completed transaction in September 2015
I worked with a couple different companies while trying to buy this home and had nothing but problems with all of them. I started working with Tom and his team and from beginning to end it was a great experience. they were always in contact and if they said they would do something they did it. Tom and his team will forever have my gratitude and i will recommend them to anyone i know who is going to buy a house. Before we started working with Tom we were ready to give up because of the other companies we worked with. Tom restored my faith that there are some good people in this business that actually care about there customers.I worked with a couple different companies while trying to buy this home and had nothing but problems with all of them. I started working with Tom and his team and from beginning to end it was a great experience. they were always in contact and if th ...read full review
5.0
5.0 Survey completed on September 25, 2015
Reviewed By sabrown6 for Tom Stewart
Completed transaction in September 2015
My husband and I have worked with Tom and his staff multiple times over the last 7+ years (2008 new home purchase, 2009 refi, 2015 new home purchase) and each time they have been extremely helpful, responsible and pleasant to deal with. We will continue to use them as the need arises and have/will recommend them to others.My husband and I have worked with Tom and his staff multiple times over the last 7+ years (2008 new home purchase, 2009 refi, 2015 new home purchase) and each time they have been extremely helpful, responsible and pleasant to deal with. We will cont ...read full review
5.0
5.0 Survey completed on September 24, 2015
Reviewed By dustyn D. for Tom Stewart
Completed transaction in September 2015
Tom and his staff were bar none the best lenders my wife and I could have used. We not only received a phenomenal interest rate we actually received a Clear to Close within 30 days! Everyone we worked with at SLS was very knowledgeable and informed about their field but they were also very friendly and courteous. Their perfect blend of professionalism and southern hospitality helped make a stressful situation "moving from another state and buying a home" and turn it into a fun and exciting experience. I would recommend Tom and SLS to anyone who is looking to make a move with their mortgage needs.

Thank you again for turning our dream into a reality!

Best,
The Deal's
Tom and his staff were bar none the best lenders my wife and I could have used. We not only received a phenomenal interest rate we actually received a Clear to Close within 30 days! Everyone we worked with at SLS was very knowledgeable and informed a ...read full review
5.0
5.0 Survey completed on April 1, 2015
Reviewed By user84832220 for Tom Stewart
Completed transaction in April 2015
Tom and his team helped my wife and I obtain a great mortgage rate when we were in the process of buying our first house. Tom was one of the recommendations for a mortgage broker that my Realtor, Debbie Price told me about and I definitely made the right decision by picking Tom and his team, not to mention they both work great together which is defiantly a plus. Tom's personality is great to get along with and he will answer any questions I would have, day or night. Tom and his team was able to get me such a low interest rate that the attorney who conducted my settlement even said that the interest rate that Tom got me was tied for the lowest he has ever seen. I will always recommend Tom and his team to any of my friends or family that are need of his services because I am a 100% certained that they will not regret it. Tom and his team will work non-stop to get them the best mortgage possible, as they did with me. Thank you Tom!!! You are the best in the business!!!Tom and his team helped my wife and I obtain a great mortgage rate when we were in the process of buying our first house. Tom was one of the recommendations for a mortgage broker that my Realtor, Debbie Price told me about and I definitely made the r ...read full review
5.0
5.0 Survey completed on January 12, 2015
Reviewed By spiritaccountgmail for Tom Stewart
Completed transaction in January 2015
I worked with Tom and his team on a loan for a home in 2011. Although the deal would fall through, I was very satisfied and would definitely work with him again!
5.0
5.0 Survey completed on August 19, 2014
Reviewed By Christina S. for Tom Stewart
Completed transaction in August 2014
Tom is very helpful and knowledgeable. He offers great service and great products. He take the time to make sure you understand the loan program and keeps you updated throughout the process. I highly recommend Tom as your mortgage lender.

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