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 and his team made it effortless to refinance my home. Professional, quick to respond with answers to questions, and willing to do whatever it takes to make the process easy and smooth from the application to closing. I’m saving hundreds...
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For me, there was a lack of communication as to the status of my refinance.
It was an easy process.
Loved working with Joe. It was easy, straight forward, and without consternation.
Joe is one heck of a guy. He works for you unlike most banks that just view you as another loan applicant. Joe treats you like a friend he has known for years and works to get you the best loan rate fit for your needs. Highly recommend. He...
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Joe made it easy, let me know the things he needed and guided me along the way to a great rate on my refinance.
Joe was very responsive and made sure everything went smoothly.
Joe was very easy to work with. Great communication and frequent updates. This loan process was The best loan experience I’ve ever had.
Joe and his team worked tirelessly to ensure that my home purchase experience was painless. They saved me from a horrible loan being presented to me by another lender and closed in less time and with fewer headaches than the competition. I...
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Joe was very easy to work with
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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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