We're here for you during the uncertainty surrounding the Coronavirus (Covid-19) pandemic. Learn more

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


10/16/2020 | Y.W.
Steve was great - very efficient Knowledgable and accessible whenever I needed to reach him. Made the refi process seamless. Would Highly recommend to any family member or friend and would definitely use again.


10/15/2020 | D.F.
Steve and Alexandra always Deliver .. they are quick and do the job I highly recommend using them !!! David F


10/14/2020 | S.R.
Steve always finds a way to get it done. He works overtime to get the best for you. He is reliable, always available and a real pleasure to deal with.


10/13/2020 | D.S.
Steven was quick and efficient, numerous obstacle cropped up in the refi process, and steven worked hard to overcome all of them and get it done I highly recommend that anyone getting a mortgage or doing a refi reach out to sSteven -Daniel


10/13/2020 | M.A.
Steves, knowledge and response time was impressive compared to other brokers that I have dealt with in the past - he followed thru and made the loan happen thanks!


10/13/2020 | M.K.
Steve is awesome!!!


10/13/2020 | A.M.


10/01/2020 | T.L.
Steve has been a great source of help in getting this done.


09/30/2020 | V.W.
Working with Steve always feels like he is working WITH you to get the best possible outcome. Steve is available & knowledgable I highly recommend him!


09/30/2020 | S.W.
Very pleasant, responsive and knowledgeable.


09/30/2020 | R.B.
Steven Joffe made sure everything ran smoothly


09/22/2020 | M.J.
Steve was on top of the loan. He knew when it was appropriate to delegate to his team and when it was important to speak with me directly. Very professional, knowledgeable and customer friendly.


09/17/2020 | A.L.
I found Steve and his team efficient, helpful and patient, throughout the process. Steve's knowledge and professionalism are first class. I suggest that FM promote him and double his salary.


09/17/2020 | M.K.
Steve and Alexandra are extremely professional, efficient, speedy, and very personable. Always a great experience working with them.


09/16/2020 | M.F.
Everything was made very simple

Payment Calculator

Loan Information


Property Information


Taxes And Insurance Information

Rent Vs. Own

Compare the estimated costs of buying vs. renting a home.

Rental Information


Home Purchase Information

Monthly Rent:
Home Purchase Price:
Down Payment:
Mortgage Interest Rate:
Should you rent or own?
Average monthly payment increase if owning:
Estimated total gain over 7 years if owning:
Rent Own
Initial Rent Payment
Renter's Insurance
Mortgage Payment
PMI (Mortgage Insurance)
Property Taxes
Homeowner's Insurance
Before Tax Monthly Payment
Annual Home Maintenance
Total Payments Over 7 Years
Total Tax Savings Over 7 Years
Average After Tax Monthly Payment
Estimated Home Selling Price
Loan Balance
Estimated Cost to Sell
Down Payment & Initial Closing Costs With Unearned Interest
Investment Gain of Owning vs. Renting
Total Payment Savings of Owning vs. Renting
Total Payment Savings of Renting vs. Owning

The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.