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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.
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... Paris NNORFOLK, VA Apr 03
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...
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... MatthewNORFOLK, VA Apr 01
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...
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. Floyd EdwardSevern, NC Oct 15
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.
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. Brandon ACOLONIAL BEACH, VA Sep 06
Joe is top notch and his expertise and guidance kept me calm through the entire home-buying process.
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+++ Denise CVIRGINIA BEACH, VA Aug 30
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+++
Rating: 5.0 out of 5.0 from Encompass Ben would answer all my questions no matter when I texted ChristinaChesapeake, VA Aug 08
Ben would answer all my questions no matter when I texted
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. MatthewNORFOLK, VA Jun 05
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.
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. BethanyWadesboro, NC May 08
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.
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! Sara LoganVirginia Beach, VA Mar 28
They simplified a typically very complicated process and were able to give me valuable advice along the way. Highly recommend!
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. Wayne HMoyock, NC Jan 10
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.
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! ChrisHampton, VA Jan 10
It was a smooth transaction. He educated and worked with my client to organize everything to secure financing, and we closed on time!
Rating: 5.0 out of 5.0 from Encompass Great communication & awesome service! DENISEWilliamsburg, VA Oct 22
Great communication & awesome service!
Rating: 5.0 out of 5.0 from Encompass This is the second house that Joe has helped me close in less than 2 years. He takes care of everything needed and gets it done! SusanFayetteville, NC Aug 13
This is the second house that Joe has helped me close in less than 2 years. He takes care of everything needed and gets it done!
Rating: 5.0 out of 5.0 from Encompass From the beginning of the process and up to the end Joe and Ben were fantastic. Made it so easy for us despite of all the documents needed. Everything made possible. Great customer relations and communication. Highly recommended. Told a few of my friends already that are thinking of buying a home .thank you much LarryChesapeake, VA Aug 04
From the beginning of the process and up to the end Joe and Ben were fantastic. Made it so easy for us despite of all the documents needed. Everything made possible. Great customer relations and communication. Highly recommended. Told a few of my friends already that are thinking of buying a home .thank you much
Rating: 5.0 out of 5.0 from Encompass Joe and the team were very attentive and always communicated efficiently. Great experience! Tara ElizabethVirginia Beach, VA May 07
Joe and the team were very attentive and always communicated efficiently. Great experience!
Rating: 5.0 out of 5.0 from Encompass Joe Fuscaldo was prompt on getting me information and connecting me with resources. His knowledge and confidence helped me feel secure in the process of buying my first home. AprilChesapeake, VA May 04
Joe Fuscaldo was prompt on getting me information and connecting me with resources. His knowledge and confidence helped me feel secure in the process of buying my first home.
Rating: 5.0 out of 5.0 from Encompass Fast turn around and all parties were easy to work with Shirley RCarrsville, VA May 03
Fast turn around and all parties were easy to work with
Rating: 5.0 out of 5.0 from Encompass Joe was on top of the loan from the beginning. Did a great job! DANIELVirginia Beach, VA May 01
Joe was on top of the loan from the beginning. Did a great job!
Rating: 5.0 out of 5.0 from Encompass Joe is always the best and goes above and beyond for my clients! KATHLEEN MChesapeake, VA Apr 24
Joe is always the best and goes above and beyond for my clients!
Rating: 5.0 out of 5.0 from Encompass My recent experience with Joe, while representing a buyer, was exceptional. Joe's expertise and professionalism made the entire loan process smooth and straightforward. His communication was clear and timely, ensuring that both my client and I were well-informed at every step. The transaction was seamless, thanks to Joe’s diligent efforts. I high... MatthewNorfolk, VA Apr 19
My recent experience with Joe, while representing a buyer, was exceptional. Joe's expertise and professionalism made the entire loan process smooth and straightforward. His communication was clear and timely, ensuring that both my client and I were well-informed at every step. The transaction was seamless, thanks to Joe’s diligent efforts. I high...
Rating: 5.0 out of 5.0 from Encompass We were first time home buyers. We had lots of questions! A quick call or text and Joe was there to answer our questions and reassure us through the process! AnnaChesapeake, VA Feb 28
We were first time home buyers. We had lots of questions! A quick call or text and Joe was there to answer our questions and reassure us through the process!
Rating: 5.0 out of 5.0 from Encompass The entire lending team made this process fantastic! Everyone involved was quick to respond and always followed through. My team advocated in my behalf and got me the best deal available through the seller. We couldn’t be happier with the result! Thank you to everyone who helped make our dream of owning a home possible! William ClementChesapeake, VA Jan 01
The entire lending team made this process fantastic! Everyone involved was quick to respond and always followed through. My team advocated in my behalf and got me the best deal available through the seller. We couldn’t be happier with the result! Thank you to everyone who helped make our dream of owning a home possible!
Rating: 5.0 out of 5.0 from Encompass Joe was a great communicator. He understood the challenges my client was having with the previous lender and took the step to speak to his underwriter before promising that he could get my client to closing. We were able to close in record time, my client has a better clear understanding of the mortgage process and all her options moving forward to... CHRIS IHAMPTON, VA Nov 14
Joe was a great communicator. He understood the challenges my client was having with the previous lender and took the step to speak to his underwriter before promising that he could get my client to closing. We were able to close in record time, my client has a better clear understanding of the mortgage process and all her options moving forward to...
Rating: 5.0 out of 5.0 from Encompass Joe you are great thank you ida IdaVirginia Beach, VA Oct 16
Joe you are great thank you ida
Rating: 5.0 out of 5.0 from Encompass Since day 1 Joe & his team went far and beyond to help and assist myself and family in our 1st home buying process. I set my goal and expectations high as to what exactly what I was looking and spending. So Thank you Joe And your interest team Robert MVirginia Beach, VA Oct 01
Since day 1 Joe & his team went far and beyond to help and assist myself and family in our 1st home buying process. I set my goal and expectations high as to what exactly what I was looking and spending. So Thank you Joe And your interest team