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Proudly serving clients across New Jersey, Florida, Georgia, Pennsylvania and South Carolina.
Steve Vetter has been providing Mortgage’s for Customers for over 23 years. He prides himself in finding a way to make a loan work for the customer and solve their financial needs.
A lifelong NJ resident, Steve has a firsthand local knowledge of the marketplace and is available to meet with clients in person, and provides invaluable insight to current market conditions by participating in a variety of local real estate events.
Communication and high standards of customer service are the mainstay, as well as offering the very best terms, and solution-based lending products the marketplace has to offer. The loan programs offered includes Conventional, FHA, VA, USDA, 203k renovation, Jumbo, HARP, and more.
Whether you are buying your first home, vacation home or if you are an experienced investor purchasing rental property you will receive honest, direct up-front information and a road map for success with 24/7 access to information when you include us as part of your team. We’ll also help you with refinancing an existing property and provide you with the tools needed to become qualified in today’s market.
Steve resides in Toms River NJ with his wife Denise, son Aidan, and daughter Alexis.
Steve and is wife also own a restaurant in Toms River NJ, Burger 25… Steve handles the marketing, and creative aspects of the business and Denise runs the Show :). The Vetter’s Pride them selves in being active with local charities and youth organizations.
Give Steve a call today and be one of the thousands that have learned to trust him with their biggest asset – their home aka the roof over your family’s heads.
Rating: 5.0 out of 5.0 from Encompass Working with my lender and his team has been nothing short of an exceptional experience. From the very first conversation, they demonstrated a level of professionalism, knowledge, and genuine care that immediately put me at ease. Buying a home can be stressful, but they made every step feel smooth, transparent, and manageable. What stood out most w... CaliHudson, FL Dec 08
Working with my lender and his team has been nothing short of an exceptional experience. From the very first conversation, they demonstrated a level of professionalism, knowledge, and genuine care that immediately put me at ease. Buying a home can be stressful, but they made every step feel smooth, transparent, and manageable. What stood out most w...
Rating: 5.0 out of 5.0 from Encompass Steve is a strategic partner in my businesses BruceManahawkin, NJ Oct 01
Steve is a strategic partner in my businesses
Rating: 5.0 out of 5.0 from Encompass Steve and his team were outstanding Shaun PatrickStuart, FL Sep 14
Steve and his team were outstanding
Rating: 5.0 out of 5.0 from Encompass Steve and his entire team! Matthew JohnPine Beach, NJ Sep 01
Steve and his entire team!
Rating: 5.0 out of 5.0 from Encompass Steve offered great advice and was there for us every step of the way. Nicholas ALittle Egg Harbor Twp, NJ Aug 28
Steve offered great advice and was there for us every step of the way.
Rating: 5.0 out of 5.0 from Encompass Steve was easy to get in contact with to answer questions and the overall customer service was excellent. Thomas ShawnLittle Egg Harbor Twp, NJ Jun 28
Steve was easy to get in contact with to answer questions and the overall customer service was excellent.
Rating: 4.8 out of 5.0 from Encompass It was a pleasure working with your team! MaryanneLanoka Harbor, NJ Jun 16
It was a pleasure working with your team!
Rating: 5.0 out of 5.0 from Encompass Steve and his team were incredible throughout the entire porcess. Very thankful for all they did in making my wife and my, first home purchase a successful stress free one! RyanNeptune, NJ May 30
Steve and his team were incredible throughout the entire porcess. Very thankful for all they did in making my wife and my, first home purchase a successful stress free one!
Rating: 5.0 out of 5.0 from Encompass Steve was amazing to work with from start to finish. He has so much knowledge and made sure I understood the process. 100% available and works tirelessly. Forever grateful! KristiBrowns Mills, NJ May 12
Steve was amazing to work with from start to finish. He has so much knowledge and made sure I understood the process. 100% available and works tirelessly. Forever grateful!
Rating: 5.0 out of 5.0 from Encompass The entire team was professional, quick, and so kind. The process was painless! Thank you all so much. MelissaBeachwood, NJ Apr 28
The entire team was professional, quick, and so kind. The process was painless! Thank you all so much.
Rating: 5.0 out of 5.0 from Encompass He was incredibly helpful when I bought my home. MyintTinton Falls, NJ Mar 17
He was incredibly helpful when I bought my home.
Rating: 5.0 out of 5.0 from Encompass This is second time that he is helping us. thank you very much NanphyuzarTinton Falls, NJ Mar 05
This is second time that he is helping us. thank you very much
Rating: 5.0 out of 5.0 from Encompass Steve and his team are great people! They are literally call/text away. We are first time homebuyers. We expected a complicated process. But this team made it smooth and easy, specially Steve. Will recommend to friends!! EthelBrowns Mills, NJ Mar 04
Steve and his team are great people! They are literally call/text away. We are first time homebuyers. We expected a complicated process. But this team made it smooth and easy, specially Steve. Will recommend to friends!!
Rating: 5.0 out of 5.0 from Encompass Steve is extremely knowledgeable and professional. him and his team made this process very easy. DanielleBayville, NJ Feb 21
Steve is extremely knowledgeable and professional. him and his team made this process very easy.
Rating: 4.8 out of 5.0 from Encompass Steve Vetter and his entire tean were Phenomenal in every step of the required process from start to finish and made the whole process stress free . I would recommend his company to anyone dealing with the grueling process of getting a loan approved Five stars! Vincent JayManchester, NJ Dec 17
Steve Vetter and his entire tean were Phenomenal in every step of the required process from start to finish and made the whole process stress free . I would recommend his company to anyone dealing with the grueling process of getting a loan approved Five stars!
Rating: 5.0 out of 5.0 from Encompass Steve is incredible to deal with! Excellent communication. Always takes the time to explain the process thoroughly. It is quite obvious that Steve genuinely cares about his clients. A++ ShaunFarmingdale, NJ Nov 26
Steve is incredible to deal with! Excellent communication. Always takes the time to explain the process thoroughly. It is quite obvious that Steve genuinely cares about his clients. A++
Rating: 4.8 out of 5.0 from Encompass Steve Vetter was awesome! Fredric AMyrtle Beach, SC Nov 25
Steve Vetter was awesome!
Rating: 5.0 out of 5.0 from Encompass It is always great working with Steve - he brings his excellent knowledge and service to my clients and gets us to the closing table!! LoriToms River, NJ Nov 23
It is always great working with Steve - he brings his excellent knowledge and service to my clients and gets us to the closing table!!
Rating: 4.7 out of 5.0 from Encompass Prompt and responsive JonathanMyrtle Beach, SC Nov 08
Prompt and responsive
Rating: 5.0 out of 5.0 from Encompass Steve and his team are always professional, very experienced and makes the mortgage process seamless! Personal service is Steve's trademark and he and his team never broad-brush clients, but instead customize each client's mortgage, recognizing every person and situation is different. Thanks again Steve (et al), well done! ChristopherToms River, NJ Oct 27
Steve and his team are always professional, very experienced and makes the mortgage process seamless! Personal service is Steve's trademark and he and his team never broad-brush clients, but instead customize each client's mortgage, recognizing every person and situation is different. Thanks again Steve (et al), well done!
Rating: 5.0 out of 5.0 from Encompass Entire staff was very helpful, making the entire process and experience as seamless as possible. Joseph JohnToms River, NJ Oct 08
Entire staff was very helpful, making the entire process and experience as seamless as possible.
Rating: 5.0 out of 5.0 from Encompass Steve is the consummate professional. He is highly knowledgeable and always available to answer questions and support a client. PatriciaToms River, NJ Oct 07
Steve is the consummate professional. He is highly knowledgeable and always available to answer questions and support a client.
Rating: 5.0 out of 5.0 from Encompass Steve is on top of his game. Always is solution based and fast to follow up! BruceToms River, NJ Oct 06
Steve is on top of his game. Always is solution based and fast to follow up!
Rating: 5.0 out of 5.0 from Encompass Swift transaction. Thank you CristinPalmyra, NJ Oct 01
Swift transaction. Thank you