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Proudly serving clients across New Jersey.
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Rating: 4.7 out of 5.0 from Encompass Great communication RyanWAYNE, NJ Jul 23
Great communication
Rating: 5.0 out of 5.0 from Encompass I was anticipating the worse from this process. I had heard so many horror stories about buying a home. Steve and Elizabeth, not only eased those concerns but also exceeded all hopes I had. They were meticulous, organized, prompt, and overall nice people. They're in the business to help people. They never asked me to furnish anything twice due to m... JASMINEPort Reading, NJ Jul 16
I was anticipating the worse from this process. I had heard so many horror stories about buying a home. Steve and Elizabeth, not only eased those concerns but also exceeded all hopes I had. They were meticulous, organized, prompt, and overall nice people. They're in the business to help people. They never asked me to furnish anything twice due to m...
Rating: 5.0 out of 5.0 from Encompass Elizabeth and Stephen are such great people to work with. SanaSouth Amboy, NJ Jul 16
Elizabeth and Stephen are such great people to work with.
Rating: 5.0 out of 5.0 from Encompass Steve Gross and his team were fantastic start to finish. They were always available to answer my questions and walk me through the process. I recommend them to all my friends and family! CARLBelford, NJ Jul 16
Steve Gross and his team were fantastic start to finish. They were always available to answer my questions and walk me through the process. I recommend them to all my friends and family!
Rating: 5.0 out of 5.0 from Encompass Wonderful service. Very knowledgeable and definitely made the experience and quick and easy one! JuanBelford, NJ Jul 16
Wonderful service. Very knowledgeable and definitely made the experience and quick and easy one!
Rating: 5.0 out of 5.0 from Encompass Steve and Liz are an incredible team. I have bought my house May 2018. I have refinanced twice with Steve since - both times Steve reaching out to me as the interest rates just kept getting better and he wanted me to get make my money work harder for me. I appreciate that. I can't imagine rates dropping lower then 2.75%, but if they do I'd refinanc... JuliaLeonardo, NJ Jul 16
Steve and Liz are an incredible team. I have bought my house May 2018. I have refinanced twice with Steve since - both times Steve reaching out to me as the interest rates just kept getting better and he wanted me to get make my money work harder for me. I appreciate that. I can't imagine rates dropping lower then 2.75%, but if they do I'd refinanc...
Rating: 5.0 out of 5.0 from Encompass Everything went smoothly. LoriToms River, NJ Jul 16
Everything went smoothly.
Rating: 4.2 out of 5.0 from Encompass Easy process and great informative videos of the process flow. FranciscoHazlet Township, NJ Jul 16
Easy process and great informative videos of the process flow.
Rating: 5.0 out of 5.0 from Encompass Steve and his team was amazing. He did everything quickly and efficiently,and constantly kept us informed. This is our forth time using Steve we highly recommend his services it was a pleasure. JASONHazlet, NJ Jul 16
Steve and his team was amazing. He did everything quickly and efficiently,and constantly kept us informed. This is our forth time using Steve we highly recommend his services it was a pleasure.
Rating: 5.0 out of 5.0 from Encompass Steve was such a big help! I recently lost my number one advisor who would normally take care of all my mortgage questions and needs. Steve did a great job taking care of all my questions and helping me through the refinancing process! Although very big shoes to fill... Steve did everything he could to make sure it worked out for me! Thank you Stev... JaclynHazlet, NJ Jul 16
Steve was such a big help! I recently lost my number one advisor who would normally take care of all my mortgage questions and needs. Steve did a great job taking care of all my questions and helping me through the refinancing process! Although very big shoes to fill... Steve did everything he could to make sure it worked out for me! Thank you Stev...
Rating: 5.0 out of 5.0 from Encompass Steve went out of his way to help me through the whole loan process. Very knowledgeable and helpful MichelleRoselle Park, NJ Jul 16
Steve went out of his way to help me through the whole loan process. Very knowledgeable and helpful
Rating: 5.0 out of 5.0 from Encompass Great working with Stephen and his team always there to help and answer any questions MICHAELLeonardo, NJ Jul 16
Great working with Stephen and his team always there to help and answer any questions
Rating: 5.0 out of 5.0 from Encompass Elizabeth Maybury always responded to me immediately and in a way that was easy for me to understand! RobinMatawan, NJ Jul 16
Elizabeth Maybury always responded to me immediately and in a way that was easy for me to understand!
Rating: 4.0 out of 5.0 from Encompass No issues and prompt response RosemaryBrick, NJ Jul 16
No issues and prompt response
Rating: 5.0 out of 5.0 from Encompass Stephen and Elizabeth were just great from start to finish. Elizabeth communicated with us almost on a daily basis. Truly working around the clock on our file. We feel like they have became family. We would highly recommend them!! PaulToms River, NJ Jul 16
Stephen and Elizabeth were just great from start to finish. Elizabeth communicated with us almost on a daily basis. Truly working around the clock on our file. We feel like they have became family. We would highly recommend them!!
Rating: 5.0 out of 5.0 from Encompass Steve was honest and quick in my refinance LucasMatawan, NJ Jul 16
Steve was honest and quick in my refinance
Rating: 5.0 out of 5.0 from Encompass Steve & Elizabeth were so amazing . This was our first time buying a home and there was NO STRESS involved we had the best people helping and working us. You a guys are amazing !!! We love you!! STEVENOld Bridge, NJ Jul 16
Steve & Elizabeth were so amazing . This was our first time buying a home and there was NO STRESS involved we had the best people helping and working us. You a guys are amazing !!! We love you!!
Rating: 5.0 out of 5.0 from Encompass Stephen was very helpful and informative during each step of the process. I would recommend him to all my friends and family. Thank you, Stephen! DianaTinton Falls, NJ Jul 16
Stephen was very helpful and informative during each step of the process. I would recommend him to all my friends and family. Thank you, Stephen!
Rating: 5.0 out of 5.0 from Encompass Steve and Liz were very helpful. They answered all my questions and communicated every step of the way. EarlToms River, NJ Jul 16
Steve and Liz were very helpful. They answered all my questions and communicated every step of the way.
Rating: 5.0 out of 5.0 from Encompass I have been doing business with this company for a very long time. They are great ! AngelaToms River, NJ Jul 16
I have been doing business with this company for a very long time. They are great !
Rating: 5.0 out of 5.0 from Encompass Easy to work with, answered all my questions. JasonKeyport, NJ Jul 16
Easy to work with, answered all my questions.
Rating: 4.8 out of 5.0 from Encompass Helping me with all my questions. EdgarUnion, NJ Jul 16
Helping me with all my questions.
Rating: 5.0 out of 5.0 from Encompass In the beginning I was a little hesitant about going forward with the loan because the loan description was very confusing, but Steve took the time to go over everything line for line and explain it thoroughly until I understood it completly. It was a pleasure doing business with him. AlexanderWhiting, NJ Jul 16
In the beginning I was a little hesitant about going forward with the loan because the loan description was very confusing, but Steve took the time to go over everything line for line and explain it thoroughly until I understood it completly. It was a pleasure doing business with him.
Rating: 5.0 out of 5.0 from Encompass Any information I asked for I was was givenSteve was a great help every step of the way MarkUnion Beach, NJ Jul 16
Any information I asked for I was was givenSteve was a great help every step of the way
Rating: 5.0 out of 5.0 from Encompass I did a refinance and used Stephen who was recommended by my sister. I had a great experience working with him. I would highly recommend!! PamelaRed Bank, NJ Jul 16
I did a refinance and used Stephen who was recommended by my sister. I had a great experience working with him. I would highly recommend!!