Stewart Zemil applies his financial savvy and mortgage industry experience to streamlining operations at Apex Home Loans. Prior to his current position—he is now the Chief Operating Officer (COO) at Apex—Stewart was a Chief Financial Officer (CFO) in the finance world. His experience as a CFO prepared and educated him for his breakthrough into the mortgage industry 23 years ago, when he worked as both an Underwriter and a Loan Officer. His underwriting experience has granted him the unique ability to proactively structure mortgages that are optimized for approval. Further, as a Loan Officer, Stewart’s efficiency and customer rapport rapidly developed him a large following of satisfied return customers. The accounting and financial management expertise that Stewart developed as a CFO inform and enhance his operational management at Apex Home Loans. He oversees the underwriting and processing department where, under his advisement, loans are structured properly and departmental goals are regularly met and frequently exceeded. Stewart provides the financial knowhow to keep Apex Home Loans growing, planning for the future effectively, and running uninterrupted. Beyond Apex Home Loan’s doors, Stewart strives to be a good corporate citizen. He is an active member of the Maryland Association of Mortgage Professionals and the National Association of Mortgage Brokers, where he has contributed to bettering the mortgage industry landscape and offering new opportunities for mortgage professionals. Stewart is also an active member of, and on the Board of Directors for the Greater Silver Spring Chamber of Commerce. Stewart graduated from the University of Maryland in 1981 with a B.S. in accounting. He lives in Gaithersburg, Maryland with his wife, Carla and has three children, Dina, Nicholas, and Victoria. In his free time, Stewart enjoys relaxing at the beach, spending time with friends and family, and playing golf.