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

Steven Esses

Vice President

NMLS ID #858678

Full Application


"Let Steven get you home!"

Bio

Steven Esses, Vice President at FM Home Loans,  thrives on the individuality of each customer and the neverending thrill of successfuly closing a loan. With years of experience in the residential mortgage industry, he provides superior customer service and expert industry knowledge for his clients. Steven began his career being trained by one the top rated LO's in the country. That training has been invaluable as Steven mastered the art of transforming a challenging deal into a smooth transaction.  

Super Powers

Experienced, warm, upbeat, reliable and fast

Reviews

 from 15 reviews

 

08/21/2022 | D.S. | Melville, NY
I always felt like Steve Esses was 100% on my team and had my back. Whenever I had a question, Steve was extremely attentive and available to walk me through and clear things up — and most importantly, guide me with confidence. Thank you Steve!!!

 

08/15/2022 | S.T. | Merrick, NY
Very responsive, easy to communicate with. Steven was there every step of the way!

 

07/10/2022 | L.V. | Rockville Centre, NY
I have worked with Steven for many years and always seek him when I'm going to buy a house because he makes the process a lot more seamless than most. He's always very knowledgeable and pleasure to work with.

 

06/18/2022 | H.A. | Garden City, NY
Even though Steve was busy, he managed to respond in a timely manner when it was the most important

 

05/17/2022 | P.H. | Long Branch, NJ
quick communication, was patient with me, felt comfortable to ask questions.

 

04/28/2022 | A.F. | Oakhurst, NJ
Very pleasant, knowledgeable and attentive.

  Accessible, friendly, competent and professional

04/20/2022 | E.R.
As first-time home-buyers, we were very fortunate to find Steven, who patiently explained to us the ins and outs of a mortgage. As we went through our home search, he was very accessible to answer a range of questions, offer his professional advice, quickly respond to our needs, and search out the best interest rates. We highly recommend working with Steven

 

04/12/2022 | J.T. | Montclair, NJ
Steven is SUPER patient (which is especially important in the current state of the market), always open to answer questions, kind and friendly, and VERY prompt. I truly enjoyed the experience of working with him.

 

04/12/2022 | R.K. | Montclair, NJ
Very efficient, great communication.

 

04/11/2022 | J.M. | Bronx, NY
Our experience with Steven was great.

 

03/27/2022 | T.K. | Babylon, NY
Communication is key!

 

03/08/2022 | S.C. | Brooklyn, NY
Steven was very friendly, very knowledgeable, and very professional.

 

03/01/2022 | D.S. | Brooklyn, NY
Steven is the exceptionally thorough and kind.

 

02/04/2022 | R.S. | Brooklyn, NY
Steven was very helpful and responsive through all the steps of the process, and sent above and beyond in helping us to get an expedited closing.

 

02/02/2022 | J.D. | New York, NY
perfect in every way

Payment Calculator

Loan Information

$
%
years

Property Information

$

Taxes And Insurance Information

Rent Vs. Own

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

Rental Information

$
%
$

Home Purchase Information

$
$
%
%
$
%
%
Years
%
%
%
%
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.