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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Reviews from Web
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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Joe was a pleasure to work with throughout the entire process. He was always available when needed and always willing to explain everything in great detail. He was very knowledgable and felt he was very compasionate about his work.
Reply from Joe Lochmann
November 13th, 2025 03:57 PM
Erica, I really appreciate you taking the time to share this. It was a real pleasure working with you and Shaun, your trust and communication made the process smooth on my end too.I’m always glad when clients feel informed and cared for throughout,...
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Joe was always available throughout thw process and made it easy for me on my end. Will recommend to anyone who is looking.
Reply from Joe Lochmann
November 12th, 2025 01:22 AM
Thanks Logan! I truly appreciate your feedback! Enjoy your new home!
Joe was very helpful during the home buying process. He was patient while we worked through some bumps. I couldn't recommend Joe enough.
Reply from Joe Lochmann
November 1st, 2025 06:38 PM
Thank you for sharing your experience, Chyenne. I'm glad to hear that I was able to assist you through the home buying process and support you during any challenges. Your recommendation means a lot to me. If you have any more questions or need...
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I feel he was working on too many projects at the same time. That takes away from individual customer servic. We like Joe and think he is great just too many irons in the fire!
Reply from Joe Lochmann
October 23rd, 2025 02:49 PM
I appreciate your honest feedback, Roger. I'm grateful to hear that you have a positive view of our interactions. Balancing multiple projects can be challenging, and I apologize if it affected the level of personalized service you experienced....
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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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