Joe Lochmann
Mortgage Lender | NMLS# 1718696
With over 20 years in real estate and mortgage lending, I specialize in helping veterans, military families, and homebuyers secure the best financing options. As a VA loan expert, I guide active-duty service members and veterans through the...... Show More
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When you look up the word "Rockstar" Joe's name will be the first thing you see. We appreciated his efforts in helping to get this loan over the finish line. His determination and grit along with his customer focus attitude was on point! 100%...
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Reply from Joe Lochmann
May 13th, 2026 01:53 PM
I appreciate your enthusiastic feedback, Charles and Sabrina. I'm glad my efforts and focus on customer service made a positive impact on your loan process. Thank you for the recommendation and for trusting me to help you achieve your goals!...
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I highly recommend Joe! He went above & beyond for me during my first home buying process. He was Always easy to get ahold of when needed & ready to help in any way! Super friendly & great to work with.
Reply from Joe Lochmann
May 2nd, 2026 01:25 PM
I'm grateful for your kind words, Sierra. It's appreciated to know that I could assist you throughout your first home buying process and be readily available when needed. Thank you for recommending me!
Joe was very professional and communicative. He made the process painless!
Reply from Joe Lochmann
April 19th, 2026 02:31 PM
Appreciate you taking the time to leave this, Joe. It means a lot.Ben and I work hard to keep things clear and smooth from start to finish, so I’m glad that came through on your end. That’s always the goal.If you ever need anything down the...
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Working with Joe was an easy and amazing experience!! I would definitely recommend him.
Reply from Joe Lochmann
March 25th, 2026 05:21 PM
I'm glad to hear that you found working with me to be straightforward and rewarding, Joshua. Your recommendation means a lot to me. If you ever need assistance in the future, don't hesitate to get in touch.
With No second thoughts Joe is the best lender I've encountered. Joe told me what to expect what he would need and when he needed it. upon getting the requested documents to the lender I was told if anything else was needed I'll contact you.The...
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Reply from Joe Lochmann
March 18th, 2026 08:01 PM
It's wonderful to hear that you found the lending process straightforward and efficient, William. Guiding you through what to expect and ensuring clear communication is something I always strive for. I'm pleased to know that everything was...
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Joe was so great to work with. He and our real estate agent have a close relationship so the communication between the two of them with us was stellar. He helped us lock in the best rate at a time that interest rates weren't terribly stable....
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Reply from Joe Lochmann
February 27th, 2026 02:57 PM
I'm pleased to hear about your positive experience working with me, Andrew. It's great to know that the collaboration with your real estate agent was beneficial and that I could assist you in securing a favorable rate during uncertain times....
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The communication with Joe was excellent. I love how he shared his screen and put everything out there for the client to see and then he explains all the nitty gritties in easy to understand language. I enjoyed the process with him. He also...
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Reply from Joe Lochmann
January 7th, 2026 04:23 PM
I'm glad to hear that you had a positive experience with the communication process, Mehran. Sharing my screen and making everything transparent is something I find valuable, and I’m pleased to know it was helpful for you. It's great that the...
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Joe and his team did great job processing my loan applicatio. Process was quick and he explained all the numbers.
Reply from Joe Lochmann
January 4th, 2026 04:41 PM
I'm grateful for your feedback, Noreen. It’s good to know that the loan process went smoothly and that the explanations provided were clear for you. If you have any further questions or need assistance in the future, please don't hesitate to...
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The whole process was very quick and efficient.
Reply from Joe Lochmann
December 9th, 2025 04:56 PM
Thank you for your feedback, Denise. I'm pleased to hear that the process was quick and efficient for you. If you have any questions or need further assistance in the future, feel free to contact me.
Joe was absolutely amazing to work with
Reply from Joe Lochmann
November 16th, 2025 04:28 PM
I appreciate you taking the time to share your thoughts, Dyllin. It means a lot to know that working together left such a positive impression on you. If there's ever anything else you need or any questions arise in the future, don't hesitate...
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About
With over 20 years in real estate and mortgage lending, I specialize in helping veterans, military families, and homebuyers secure the best financing options. As a VA loan expert, I guide active-duty service members and veterans through their VA home loan benefits, ensuring a smooth, zero-down financing process.
Based in O’Fallon, IL, near Scott Air Force Base (SAFB), I serve clients in Illinois, Missouri, and nationwide. Whether you’re a first-time homebuyer, relocating military family, or real estate investor, I provide expert guidance to help you close with confidence.
Specialities
VA Home Loans – 100 percent financing for veterans, active-duty military, and their families
First-Time Homebuyer Loans – Low down payment and flexible credit options
Conventional Home Loans – Competitive rates for well-qualified buyers
FHA Loans – Government-backed loans with lower credit score requirements
Jumbo Loans – Financing for high-value homes exceeding conventional loan limits
Military Relocation Mortgages – VA loan solutions for PCS moves near Scott Air Force Base
Real Estate Investor Loans – Financing for rental properties and vacation homes
Refinance Loans – Lower your rate, reduce payments, or access home equity
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278
/850
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Positions
- Midwest Bank Centre - Mortgage Loan OriginatorJan 13th, 2020 - Current
- Midwest Bank Centre - VA Loan SpecialistJan 13th, 2020 - Current
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Memberships
- Southwestern Illinois Board of Realtors
Addresses and Serving Areas
Year Started
2002
Time Zone
Central Standard Time (CST)
Licenses
- NMLS# 1718696
Achievements
- Specializing in VA Loan Origination
- Consistent 5-Star Client Reviews
- Trusted Advisor in Metro East Real Estate
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Hobbies
- Community Outreach
- Personal Development Workshops
- Volunteer Initiatives
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