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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The entire process was so smooth, everyone was so professional and responsive it was an amazing experience.
overall the events that unfolded went as planned. There were somethings that would have been nice, but it didn't affect the results
The process went so quickly and smoothly. Very responsive with our questions.
Joe was great with communication, he was laid back and very knowledgeable. I have already referred him to a friend, and he made me feel comfortable throughout the entire mortgage process.
Was able to complete our lending process with short notice and got us closed in a couple weeks.
He answered all of our questions in a timely manner.
Joe did a great job at keeping us informed.
The process was complete by closing
I found it very difficult to communicate with Joe. He was unresponsive and got a lot of dates and amounts wrong on our closing and we had to correct him a lot. We were still submitting documents the day of closing and didn’t have any sort of...
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No communication, consistently made mistakes on documents, unorganized, and did not finish our loan closing document until a few hours before closing. Stressful and rushed experience when they had 6 months to gather everything from us. Rebecca...
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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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