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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.
Always there to help and guide us through the process Anthony R Ringwood, NJ February 18 Rating: 5.0 out of 5.0 from Encompass
Always there to help and guide us through the process
Everyone was very helpful, and made the process very as stress free as possible. Daniel Vernon, NJ February 16 Rating: 5.0 out of 5.0 from Encompass
Everyone was very helpful, and made the process very as stress free as possible.
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 Souza Wantage, NJ February 11 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.
Youssef and his team are very knowledgeable and were quick to respond to any questions or concerns. Kyle Lafayette, NJ February 10 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.
great communucation. Kristin D Lincoln Park, NJ February 09 Rating: 5.0 out of 5.0 from Encompass
great communucation.
Youssef was absolutely incredible Candace Newton, NJ February 06 Rating: 5.0 out of 5.0 from Encompass
Youssef was absolutely incredible
As first time home buyers, we had A LOT of questions. All of them were answered thoroughly and with patience . Carmelina Blairstown, NJ February 03 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 .
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 A Sparta, NJ January 26 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
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 S Hamburg, NJ January 20 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...
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! Paul Blairstown, NJ December 29 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!
I appreciated that if Youseff wasn't available Kristina was and vice versa they are a great team!!! Sarah M Lake Hopatcong, NJ December 18 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!!!
The team was amazing to work Jon N Boynton Beach, FL December 15 Rating: 5.0 out of 5.0 from Encompass
The team was amazing to work
On 02/25/2026 at 2:00 pm
Don't miss our Real Estate Realities: Relationships Over Transactions live webinar! Most agents burn out chasing the next deal. But the ones who thrive? They build relationships that keep business coming to them. If you’ve ever felt like your follow-up game needs more follow-through, this one's for you! See you there