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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


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


06/17/2020 | R.N.
Steve and Alexandra were the best . They were so helpful with the process and were always available . We couldn’t have asked for more . It was my first time buying a home and once I reached out to Steven I knew he was the guy for me . Him and Alex were a great team and I highly recommend them to anyone . To Steve and Alex thank you for your professionalism and always being there helping this first time buyer .


06/14/2020 | J.W.
my voluminous returns and financial file that is anything but straightforward, did not deter steve to help me obtain a loan. he did terrific job with patience and professionalism. thank you.


06/12/2020 | A.A.


06/07/2020 | D.B.
Wonderful experience!!!


06/05/2020 | S.G.
Great service from Steve as always! Thanks for everything you have done for me and my family. Especially helpful in these turbulent times.


06/04/2020 | M.B.
Overall great experience!


05/27/2020 | S.G.
Mr Jaffa is truly amazing and honest and caring ! Over the years I’ve asked him is it time for me to get a refinance and he was upfront and said not yet you won’t save , this time he said absolutely and he and his team ( shout out to Alexandra Gong) were extremely organized and made this process very simple .


05/15/2020 | A.R.
He was an absolute pleasure to deal with. Professional, smart, easy to talk to and very responsive.


05/15/2020 | C.A.
Steve helped us every step of the way. We had a mortgage during a complicated time - Covid- and he made sure we were still able to get our dream home! Highly recommend!


05/14/2020 | M.K.
He is great helpfully man even I try to call him after work hours he pick his phone and help me. God bless him


05/13/2020 | M.A.
Home ownership was a dream. Although I had five different jobs, average mortgage brokers could not help me. Everything changed when I met Steve. He sat down with me and meticulously went through all of my income. After an hour of organizing my paperwork, I walked out of his office with the highest possible quote and a renewed confidence. Even when my income changed, he was there guarding me every step of the way. Thanks to his experience and know how, my dream is a now reality.


05/13/2020 | L.E.
Steve and his team were incredible to work with. This transaction went super smooth and they were super responsive. Would recommend in a heartbeat without any hesitation


05/01/2020 | M.R.
Great communication and follow up. Very competent support staff.


04/27/2020 | S.M.
Great service and knowledge.


04/26/2020 | C.S.
Steve constant commitment , dedication and availability made him a pleasure to work with . Steve has an extensive knowledge of the mortgage industry. He always had our best interest in mind and was able to complete the transaction under extremely difficult circumstances during Covid -19. Thank you Steve !