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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


 from 15 reviews


04/06/2021 | D.P.
helping me thru every step thus making the application process a breeze with no surprises


03/30/2021 | A.D.
He helped us navigate the process in a professional and concise manner that made the experience tolerable . Steve was a pleasure to work with.


03/30/2021 | D.C.
Very smooth step by step process and help


03/24/2021 | A.K.
Steve held our hand throughout the entire process making sure that we understood all the jargon and fancy words in the documents. That's not to mention all the money he saved us. We will surely use him in the future!


03/19/2021 | C.K.
Steven is extremely professional. My husband loves working with him for all our mortgage needs.


03/19/2021 | M.G.
The mortgage moved along very quickly and Steve was always there to answer any questions or concerns we had.


03/19/2021 | M.B.
Steven was dedicated and made sure everything ran smoothly and in our time frame! Excellent excellent service!


03/19/2021 | A.J.
Great experience from start to finish. Steven was very knowledgeable and worked with us the entire time. He made things simple, east and quick.


03/18/2021 | D.J.
The whole process was efficient and expeditious. Steven and his team are great communicators and the transaction was smooth.


03/18/2021 | J.B.
Shaya is a true caring individual who has the best intentions for his clients. His priorities and focus are his clients. If you want a an honest and pleasurable experience you work with Shaya. His smile and his soft spoken tone with his years of experience his unparalleled to any of his colleagues. With Shaya your are getting the 5 star treatment in every area possible We love b Shaya


03/16/2021 | O.K.
Steve is always available and is very honest. He answers texts/phone calls/emails very quickly. He knows exactly what he is doing and is always calm and very professional. He tells you the truth right away about your mortgage and is always correct. I have used him several times for my mortgage services and my brother dozens of times. Thank you Steve.


03/05/2021 | M.D.
Steve was very communicative throughout the process and I trusted him fully. He was great!


03/05/2021 | S.C.


03/05/2021 | H.M.
Steve did a great job jumping into financing of my home loan late in the process. Steve was attentive to my needs and did his best to keep the process moving along. Steve checked in with me on a regular basis to make sure that I knew I had his support.


03/02/2021 | R.S.
great and easy to work with. they work quickly to get the closing done very fast. thank you

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