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Proudly serving clients across Virginia and North Carolina.
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
As a real estate agent, I recently had the pleasure of working with Joe as a lender, and I couldn’t have asked for a better experience. From start to finish, Joe was incredibly communicative, keeping both me and my client informed at every step of the process. He went above and beyond to ensure everything went smoothly, and his dedication to prov... Matthew NORFOLK, VA April 01 Rating: 5.0 out of 5.0 from Encompass
As a real estate agent, I recently had the pleasure of working with Joe as a lender, and I couldn’t have asked for a better experience. From start to finish, Joe was incredibly communicative, keeping both me and my client informed at every step of the process. He went above and beyond to ensure everything went smoothly, and his dedication to prov...
The entirety of our home buying process went incredibly well and smooth, especially with this being a first for us. Joe, along with other members of the team worked seamlessly to point us in the right direction and answered each and every question in a timely manner. We had such a positive experience working with Jo... Paris N NORFOLK, VA March 24 Rating: 5.0 out of 5.0 from Encompass
The entirety of our home buying process went incredibly well and smooth, especially with this being a first for us. Joe, along with other members of the team worked seamlessly to point us in the right direction and answered each and every question in a timely manner. We had such a positive experience working with Jo...
The entire process was so smooth and fast. Everything was explained clearly, and there were no surprises, other than how great the service was. Joe Fuscaldo was incredibly proficient, knowledgeable and accommodating. Floyd Edward Severn, NC October 15 Rating: 5.0 out of 5.0 from Encompass
The entire process was so smooth and fast. Everything was explained clearly, and there were no surprises, other than how great the service was. Joe Fuscaldo was incredibly proficient, knowledgeable and accommodating.
Joe is top notch and his expertise and guidance kept me calm through the entire home-buying process. Brandon A COLONIAL BEACH, VA September 06 Rating: 5.0 out of 5.0 from Encompass
Joe is top notch and his expertise and guidance kept me calm through the entire home-buying process.
Joe & his team always go above and beyond for not only myself, but everyone that I have referred to them. I could not ask for a better group of skilled and knowledgable professionals to work with. AAA+++ Denise C VIRGINIA BEACH, VA August 30 Rating: 5.0 out of 5.0 from Encompass
Joe & his team always go above and beyond for not only myself, but everyone that I have referred to them. I could not ask for a better group of skilled and knowledgable professionals to work with. AAA+++
Ben would answer all my questions no matter when I texted Christina Chesapeake, VA August 08 Rating: 5.0 out of 5.0 from Encompass
Ben would answer all my questions no matter when I texted
Joe was extremely helpful throughout the entire process. From communication to recommendations, he went above and beyond. I will definitely continue to recommend him to friends, family, and clients alike. Matthew NORFOLK, VA June 05 Rating: 5.0 out of 5.0 from Encompass
Joe was extremely helpful throughout the entire process. From communication to recommendations, he went above and beyond. I will definitely continue to recommend him to friends, family, and clients alike.
I cannot say enough about how easy Joe made everyrhing. Great communication, support. I felt listened to, and like I was being advocated for through the whole process. Wonderful experience and I will reccommend him to everyone I know. Bethany Wadesboro, NC May 08 Rating: 5.0 out of 5.0 from Encompass
I cannot say enough about how easy Joe made everyrhing. Great communication, support. I felt listened to, and like I was being advocated for through the whole process. Wonderful experience and I will reccommend him to everyone I know.
They simplified a typically very complicated process and were able to give me valuable advice along the way. Highly recommend! Sara Logan Virginia Beach, VA March 28 Rating: 5.0 out of 5.0 from Encompass
They simplified a typically very complicated process and were able to give me valuable advice along the way. Highly recommend!
My experience with Joe Fuscaldo and OVM was great! Mr. Fuscaldo and the whole team there were wonderful and understanding and helped me through the journey that was the fedral gov. Wayne H Moyock, NC January 10 Rating: 5.0 out of 5.0 from Encompass
My experience with Joe Fuscaldo and OVM was great! Mr. Fuscaldo and the whole team there were wonderful and understanding and helped me through the journey that was the fedral gov.
It was a smooth transaction. He educated and worked with my client to organize everything to secure financing, and we closed on time! Chris Hampton, VA January 10 Rating: 5.0 out of 5.0 from Encompass
It was a smooth transaction. He educated and worked with my client to organize everything to secure financing, and we closed on time!
Great communication & awesome service! DENISE Williamsburg, VA October 22 Rating: 5.0 out of 5.0 from Encompass
Great communication & awesome service!