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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Joe was so helpful to my husband and I! very easy process and made sure we understood different numbers and all of our options!
Reply from Joe Lochmann
November 11th, 2026 04:35 PM
Emily, I'm happy to hear that you and your husband found the process easy and informative with my help at Midwest BankCentre. Making sure you understand all your options is important to me.
Joe helped us lock in a great rate (considering the current market) and ensured that our closing went smoothly. He did all of this and more completely virtually, as we were out of town at the time. Joe is a fantastic, trustworthy lender, and...
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Reply from Joe Lochmann
November 1st, 2026 07:18 PM
Jessica, I'm grateful for your kind words and pleased to hear that I could assist you in securing a great rate at Midwest BankCentre. It's good to know the virtual process went smoothly for your closing. I look forward to the possibility of...
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Joe always has your back through everything to make sure you understand what is going on and will do his best to secure you the best possible loan for your needs.
Reply from Joe Lochmann
October 30th, 2026 05:27 PM
Justin, I'm pleased to know that you feel supported and informed throughout the process with me at Midwest BankCentre. It's important to me to help secure the best possible loan for your needs.
Joe Lochmann at Midwest BankCentre is a very personable lender. He didn't hesitate to consider various options and schedules on payments. He also went to bat for the best rate and type of loan for my circumstances, for me as the consumer.
Reply from Joe Lochmann
October 29th, 2026 07:27 PM
Byron, I appreciate your feedback and am glad to hear that you found my approach personable and attentive to your needs at Midwest BankCentre. It's important to me to explore all options and secure the best rates for my clients.
Joe is extremely knowledgable and always available for a chat. I bothered him quite often and he happily answered all of my questions to put my mind at ease about securing the loan. Highly recommend!
Reply from Joe Lochmann
October 8th, 2026 07:27 PM
Ryan, I appreciate your kind words and recommendation. I'm glad to have been able to put your mind at ease and answer all your questions about securing the loan. It's always a pleasure to assist at Midwest BankCentre and ensure you feel supported...
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Easy and painless answered questions very quickly
Reply from Joe Lochmann
August 13th, 2026 02:16 PM
Joshua, I'm glad to hear that your experience was easy and painless. It's important to me to answer questions quickly and make the process smooth for you. Thank you for your feedback!
Joe was excellent, efficient and communicated very well. He was able to guide us through a difficult time. I would highly recommend him to anyone including family.
Reply from Joe Lochmann
August 10th, 2026 03:33 PM
Jonathan, thank you for your kind words and recommendation. I'm pleased to know that I was able to guide you efficiently through a challenging time. Your trust and support mean a lot to me.
This was the best experience my family and ai had with a lender. Joe and his team made sure that they took care of us and gave us the best option! We are so grateful for him and his team.
Reply from Joe Lochmann
August 1st, 2026 02:04 PM
Genevieve, I'm grateful for your kind words and am pleased to hear that you and your family had such a positive experience. It was my pleasure to work with you and provide the best options for your needs. Thank you for choosing Midwest BankCentre!...
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We worked with Joe lochmann, and he is amazing with what he does. He kept us informed every step of the way and got us the best rates available .
Reply from Joe Lochmann
July 7th, 2026 07:45 PM
Thank you, James, for your kind words. I'm glad I could keep you informed throughout the process and secure the best rates for you. Your positive experience means a lot to me!
Joe communicated clearly and was quick to respond to my questions. I am also very confidant he found us the best rates possible.
Reply from Joe Lochmann
May 23rd, 2026 03:12 PM
Thank you, Aaron, for your kind feedback. I'm happy I could provide clear communication and quick responses while finding the best rates for you. Your confidence in my work is truly valued.
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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.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
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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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
Primary Serving Area
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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