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 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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2nd time working with Joe....excellent service and prompt...will definately. Refer hime to my friends and
Reply from Joe Lochmann
September 29th, 2025 12:03 PM
Thank you for your continued trust and support, Brenda. It's been a pleasure to provide you with service that meets your expectations. Your intention to refer me to your friends is greatly valued. If there's anything more I can do for you,...
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Joe's attention to detail and straightforward approach is second to none. Joe made our home buying experience as stressless as possible.
Trey Osburn
Reply from Joe Lochmann
September 26th, 2025 11:31 AM
I'm grateful for your feedback, Azor. Knowing that my focus on detail and clear communication helped ease the stress of buying a home is incredibly rewarding. If you have any further questions or need assistance in the future, don't hesitate...
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It was great. Just too many papers to sign.
Reply from Joe Lochmann
September 22nd, 2025 01:29 AM
I'm glad to hear that you had a positive experience overall. I understand that signing a lot of documents can be overwhelming. If there's anything I can do to make the process smoother in the future, please let me know.
Joe made the process to get a loan and close on a house quite seamless. We got a much better rate than I expected and had no problems or issues at all. Highly recommend
Reply from Joe Lochmann
September 20th, 2025 03:03 PM
I really appreciate you sharing this. It means a lot to hear the process felt seamless and that we were able to lock in a strong rate for you. That’s exactly the outcome I want for every client.Thank you for trusting me with such an important...
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Joe was great to work with from day 1. Quick to respond to questions and concerns. Would recommend highly. Thanks Joe.
Reply from Joe Lochmann
September 20th, 2025 02:16 PM
I really appreciate your kind words, Cathie. It's great to hear that my quick responses met your expectations from the very beginning. Your recommendation means a lot to me. If there’s anything more I can assist you with in the future, feel...
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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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