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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


  • 5.0

    5.0 Survey completed on November 11, 2020

    Review By Jeffrey W. for Tom Stewart

    Completed transaction in November 2020

    Always had and answer for me or gave me one in a day or two. Never had a bad experience with Tom.

  • 5.0

    5.0 Survey completed on October 03, 2020

    Review By David H. for Tom Stewart

    Completed transaction in September 2020

    Tom and his team worked tirelessly to get our refinance through in as smooth a process as you can expect. I highly recommend Tom and his team for any new home or refinance options you may be considering.

  • 5.0

    5.0 Survey completed on September 30, 2020

    Review By Larry G. for Tom Stewart

    Completed transaction in September 2020

    Tom worked with me every step of the way always kept me informed and was very fast about getting back to me with answers to my questions

  • 5.0

    5.0 Survey completed on September 25, 2020

    Review By Jeffrey H. for Tom Stewart

    Completed transaction in September 2020

    Tom is very thorough and friendly. Super easy refinance.

  • 5.0

    5.0 Survey completed on September 09, 2020

    Review By Harlan F. for Tom Stewart

    Completed transaction in August 2020

    We have worked with Tom in the past and had no hesitation in contacting him when we decided it was time to re-finance our home loan. We appreciate the attention and advice he provided us. He always answered our questions (and there were many) in a timely knowledgeable manner. We felt completely at ease in our re-finance thanks to Tom. He is always friendly and professional and we would not hesitate to work with him again in the future and will recommend his services to our friends and family

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