Embrace Home Loans
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.
Tom Stewart – Branch Manager
(540) 229-4846 | tstewart@embracehomeloans.com
Pre-Quality
When we pre-qualify you, we help you figure out how much of a monthly mortgage payment you can afford, and the size of loan you can qualify for. This process leads you through your finances – your debts, income, career, and down payment money, among other things. We will ask for a minimum amount of paperwork, with a quick process.
Once you are considered eligible, we prove our confidence in your potential to qualify for a mortgage by awarding you a Pre-Qualification Letter (also called a “pre-qual”).
Buying Power
A number of advantages open to you when you’ve found your next house, and have achieved pre-qualification power. First, you have some definite numbers in mind, as the amount you can borrow. Being pre-qualified also will make your offer look even better to the seller, as if you were bringing them a suitcase full of cash! They will not need to be concerned that they have been wasting their time if you do not have the ability to qualify for a big enough mortgage. The seller of the home won’t wonder if he can trust you to qualify for your mortgage in the amount you’ll need.Your qualifying for your needed loan amount will not cause them concern. You have the ability to back up your offer.
We will help you pre-qualify
We can help you calculate how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through pre-qualifying. In this process, we calculate your ability to borrow – analyzing your earning status, money available for down payment, existing debt, income, and other areas. We as for a minimum amount of paperwork, and avoid a lengthy process.
Buying Power
When we pre-qualify you, we help you figure out how much of a monthly mortgage payment you can afford, and the size of loan you can qualify for. This process leads you through your finances – your debts, income, career, and down payment money, among other things. We will ask for a minimum amount of paperwork, with a quick process.
Once you are considered eligible, we prove our confidence in your potential to qualify for a mortgage by awarding you a Pre-Qualification Letter (also called a “pre-qual”).
Face to Face
You can certainly use the calculators on our website to get an idea of how much mortgage you’ll be able to afford – but it’s also important to talk with us. For one thing, you will want a Pre-Qualification Letter! For another thing, we could locate a different mortgage choice that better fits your needs. Contact us at (540) 229-4846 to get started.