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 kept in constant communication with us. He answered all our questions. We had more than a few. It was our first time refinancing a home. I would recommend Joe to all my family and friends.
Joe is great about communicating and answering any questions that we had in the loan process. He was quick to answer any questions that we have and to fix any issues or things that was out of his control. Joe was able to save us thousands and...
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Joe is great to work with and helps make the process as easy as it can be!
Wonderful and easy to work with!
Midwest BankCentre made it easy to submit forms with their portal. Applying was easier than anywhere else I tried—I was able to complete all but uploading documents on my phone—and Joe reached out quickly. My rate was lower than anyone else’s...
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Joe is friendly, professional and helpful. Joe is who I trust with my home loans and refinancing.
Joe was very easy to talk to; a man of his word. He thoroughly explained every step of the process. He was a breath of fresh air in today's unreliable 'say-one-thing-and-do-another' society.
Thank you for helping us get our dream home!
Joe was constantly giving me updates on my loan status. In the beginning, he got me locked in at a rate that was lower than I anticipated. Joe made the process as smooth and painless as possible!
Joe was a pleasure to work with. He and his team answered all our questions in a timely manner.
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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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