Ready to buy your dream home? Start your purchase journey today with competitive rates and expert guidance.
Lower your monthly payments or access your home equity with our refinancing options.
Access calculators, guides, and tools to help you make informed mortgage decisions.
Learn more about our company, explore career opportunities, and discover our impact on the mortgage industry.
Proudly serving clients across New Jersey, Florida, New York and Pennsylvania.
Youssef is a Certified Mortgage Planning Specialist (CMPS). He knows that buying or refinancing a home is the biggest financial decision of his clients’ lives. That’s why he makes a point of consulting with his clients throughout the entire loan process, so they are well-educated and active participants in the transaction.
He has an extensive background in all facets of mortgage lending and assisting his clients with many different needs, whether they are a homebuyer looking to purchase a new home or current homeowners looking to benefit from refinancing. His expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
Youssef also makes a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so he can serve as an informed advocate for his clients.
His focus is on not merely getting his clients a loan, but finding the best loan for them.
Rating: 5.0 out of 5.0 from Encompass From A thru Z, I'd like to use one word to describe this experience for me: SPLENDID. If pryor to entering onto the process, I were to write a script of how I'd like it to, favorably, go for me, I'd have written it the exact same way it happened. There were no set back, there were no bumps on the road, every single participant I encountered along... JoseBrooklyn, NY May 20
From A thru Z, I'd like to use one word to describe this experience for me: SPLENDID. If pryor to entering onto the process, I were to write a script of how I'd like it to, favorably, go for me, I'd have written it the exact same way it happened. There were no set back, there were no bumps on the road, every single participant I encountered along...
Rating: 5.0 out of 5.0 from Encompass Buying and selling a home is very stressful .everyone in yourself office were so patient and helpful.. Kristina went far and above for us. . BryanSparta, NJ May 13
Buying and selling a home is very stressful .everyone in yourself office were so patient and helpful.. Kristina went far and above for us. .
Rating: 5.0 out of 5.0 from Encompass What made the experience great was the clear communication and guidance throughout the entire refinancing process. Everything was explained thoroughly, timelines were met, and I felt supported every step of the way. StephanieLafayette, NJ Apr 17
What made the experience great was the clear communication and guidance throughout the entire refinancing process. Everything was explained thoroughly, timelines were met, and I felt supported every step of the way.
Rating: 5.0 out of 5.0 from Encompass Personalized service. Quick responses and smooth process. Overall it was an was an amazing experience ! Thank you for all your hard work Elizabeth MSarasota, FL Apr 06
Personalized service. Quick responses and smooth process. Overall it was an was an amazing experience ! Thank you for all your hard work
Rating: 5.0 out of 5.0 from Encompass The high level of communication and the sense of urgency to close the loan in a timely fashion MicheleWildwood Crest, NJ Apr 06
The high level of communication and the sense of urgency to close the loan in a timely fashion
Rating: 5.0 out of 5.0 from Encompass Yousseff and team were awesome throughout the whole proces! Edward HSarasota, FL Apr 03
Yousseff and team were awesome throughout the whole proces!
Rating: 4.8 out of 5.0 from Encompass The team was very upfront and communicative the entire way through the process. MatthewLanding, NJ Mar 31
The team was very upfront and communicative the entire way through the process.
Rating: 5.0 out of 5.0 from Encompass I never could've imagined the process of buying a house to be easy but Youssef and his team made it super simple and quick. Even while going through a lot in life Youssef still made time for me and helped a lot. Thanks again ! JosephBranchville, NJ Mar 30
I never could've imagined the process of buying a house to be easy but Youssef and his team made it super simple and quick. Even while going through a lot in life Youssef still made time for me and helped a lot. Thanks again !
Rating: 5.0 out of 5.0 from Encompass Great , eductional , provided advice, protection IsabellaMount Holly, NJ Mar 26
Great , eductional , provided advice, protection
Rating: 5.0 out of 5.0 from Encompass I dealt with had a high level of professionalism Sean M.Newton, NJ Mar 26
I dealt with had a high level of professionalism
Rating: 5.0 out of 5.0 from Encompass I always feel confident connecting my clients with Yousef for their mortgage needs. He’s knowledgeable, responsive, and truly takes the time to guide buyers through the process so they feel comfortable and informed every step of the way. Having a lender like Yousef on your team makes the home buying experience that much smoother. AshleyWayne, NJ Mar 26
I always feel confident connecting my clients with Yousef for their mortgage needs. He’s knowledgeable, responsive, and truly takes the time to guide buyers through the process so they feel comfortable and informed every step of the way. Having a lender like Yousef on your team makes the home buying experience that much smoother.
Rating: 5.0 out of 5.0 from Encompass Great job thank you JoeLanding, NJ Mar 19
Great job thank you
Rating: 5.0 out of 5.0 from Encompass Made everything so easy NealStanhope, NJ Mar 17
Made everything so easy
Rating: 5.0 out of 5.0 from Encompass Always there to help and guide us through the process Anthony RRingwood, NJ Mar 02
Always there to help and guide us through the process
Rating: 5.0 out of 5.0 from Encompass Everyone was very helpful, and made the process very as stress free as possible. DanielVernon, NJ Feb 26
Everyone was very helpful, and made the process very as stress free as possible.
Rating: 4.8 out of 5.0 from Encompass The communication was clear, expectations were set properly, and any questions I had were answered quickly and thoroughly. I especially appreciated how the team kept me informed at every step, which made a complex process feel manageable and smooth. Alexandre de SouzaWantage, NJ Feb 23
The communication was clear, expectations were set properly, and any questions I had were answered quickly and thoroughly. I especially appreciated how the team kept me informed at every step, which made a complex process feel manageable and smooth.
Rating: 5.0 out of 5.0 from Encompass Youssef and his team are very knowledgeable and were quick to respond to any questions or concerns. KyleLafayette, NJ Feb 10
Youssef and his team are very knowledgeable and were quick to respond to any questions or concerns.
Rating: 5.0 out of 5.0 from Encompass great communucation. Kristin DLincoln Park, NJ Feb 09
great communucation.
Rating: 5.0 out of 5.0 from Encompass Youssef was absolutely incredible CandaceNewton, NJ Feb 06
Youssef was absolutely incredible
Rating: 5.0 out of 5.0 from Encompass As first time home buyers, we had A LOT of questions. All of them were answered thoroughly and with patience . CarmelinaBlairstown, NJ Feb 03
As first time home buyers, we had A LOT of questions. All of them were answered thoroughly and with patience .
Rating: 4.8 out of 5.0 from Encompass Kristin was excellent in keeping things on track and then Nicole and her team did the same. Super great job and much less confusion than with other mortgage companies I have used in the past Kyle ASparta, NJ Jan 26
Kristin was excellent in keeping things on track and then Nicole and her team did the same. Super great job and much less confusion than with other mortgage companies I have used in the past
Rating: 5.0 out of 5.0 from Encompass Purchasing a home is the biggest investment one may make in their lifetime and that is why having a team to facilitate the process is just as important. I chose Youssef and his team because I have a co-worker that personally knows him and used his services to get his house. That is the kind of local recommendation that I thrive on and I was not ste... Kevin SHamburg, NJ Jan 20
Purchasing a home is the biggest investment one may make in their lifetime and that is why having a team to facilitate the process is just as important. I chose Youssef and his team because I have a co-worker that personally knows him and used his services to get his house. That is the kind of local recommendation that I thrive on and I was not ste...
Rating: 5.0 out of 5.0 from Encompass Youssef and his team were incredible to work with. Very reliable, communicative and at your disposal when you call. I will be using them again! PaulBlairstown, NJ Dec 29
Youssef and his team were incredible to work with. Very reliable, communicative and at your disposal when you call. I will be using them again!
Rating: 5.0 out of 5.0 from Encompass I appreciated that if Youseff wasn't available Kristina was and vice versa they are a great team!!! Sarah MLake Hopatcong, NJ Dec 18
I appreciated that if Youseff wasn't available Kristina was and vice versa they are a great team!!!