Steve Joffe

Senior Loan Officer

NMLS ID #54502

Full Application

"Let Steve get you home!"


In 2001, while still in college, Steven met a fellow student already employed as a mortgage professional. Steven, a dealmaker at heart, struck a proposal: Steven would tutor his new friend in Chemistry and the mortgage professional would teach Steven the secrets of becoming a loan officer. From the get-go, mortgage lending was a fit for Steven, who loves the challenge of finding the missing pieces to assemble the best loans for his clients. Steven believes that FM Home Loans’ success is achieved by their willingness to explore resources that other lenders find too challenging and therefore avoid without considering the possibilities. When not closing mortgage loans, you’ll find Steven often working out at the local gym or at almost any sporting event he has time to attend. Like a true athlete, to Steven, there are no problems - only challenges and obstacles to overcome. Steven’s clients benefit greatly from his energy, devotion, skilled mortgage knowledge, and exceptional service. 

Super Powers

Reliable, Athletic, Thorough, Responsive and Knowledgeable


Hi Steve, 

I just want to thank you for all your hard work in helping me get a mortgage with FM Home Loans. You guys are absolutely fantastic, always on top of everything and helping me along the way by making the process simple and less painful as opposed to working with other banks out there. You guys were quick and efficient throughout the whole process and we would always recommend you for all our friends and family. Thanks again for your help. 


September 8, 2016


 from 15 reviews


12/14/2018 | A.K.
Great experience, very knowledgeable, smooth sailing!


12/14/2018 | B.F.
Going through a mortgage process can be overwhelming, however with Steve guiding me it was actually a pleasant experience.


11/23/2018 | W.L.
Steve and Alexandria we're always available and constantly updating us with the progress and gave us reminders when we did not respond just in case we need help. But even followed up with other prophecies who we needed information from right up until closing day. I have been bothering Steve for rates for close to a year and he always responded immediately never knowing that I would use him with a final mortgage. Very personable people I'm so happy I was referred to them by Susie Goldberg.


11/19/2018 | A.B.
As a first time home buyer, Steve was a tremendous help in guiding us through the process. He was professional, diligent, and organized and made a complex process seem simple. I would highly recommend Steve and his team.


11/07/2018 | S.K.


10/30/2018 | D.K.
Was a pleasure from beginning to end.


10/30/2018 | M.C.
Working with Steve and Alexandra Gong throughout a very stressful home buying process was a pleasant experience. I appreciate their level of expertise and attention to detail in the lending process.


10/19/2018 | O.K.
Steve is very professional and he is on the money! The best.


10/14/2018 | N.T.
Steve made our mortgage qualification process as efficient and effortless as they come. He is extremely knowledgeable in the field and was quick to respond to all our questions. We highly recommend him!


09/21/2018 | R.M.
Once again Steve and his team worked efficiently and effectively getting us competitive financing for our investment property. He was there at all hours of the day ( and nights and weekends ) to address any of our questions and concerns. I would highly recommend Steve and FM friends and family.


09/18/2018 | R.L.
Steve was always readily available for everything we needed and made the mortgage process run smoothly in a timely manner. He was a pleasure to deal with.


09/02/2018 | I.B.
Steve was there for us whenever we had any questions and was able to help us when the big banks would not. He was very professional , efficient, speedy and he worked with us on everything we needed; well above and beyond what we expected. He made this buying process a lot easier than it should have been. Would definitely recommend him to ANYONE looking for a mortgage specialist.


08/30/2018 | A.P.
Steve was what one would call your friend in the field. His expertise and 24/7 availability made the home buying experience such a pleasant journey. There are so many fears out there about getting a mortgage and the steps to buy a home. Working with Steve made them all passé.


08/26/2018 | D.C.
Steve went above and beyond to help us close our loan. Steve’s line of communication was always open. His advice was sound and fair. Steve gave us the best rate I felt in the country. I went to many so called big name mortgage companies to compare and they couldn’t beat nor match the rate Steve Joffe was able to successfully provide.


08/26/2018 | S.C.
Thank you for all of your help