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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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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Joe was always quick to answer questions and alleviate concerns that we had along the way. It was nice to always know that he was just a phone call away even during non-business hours.
Reply from Joe Lochmann
August 22nd, 2025 03:29 PM
Thank you, William, for your generous review. I'm pleased to hear that my availability and prompt responses provided you with reassurance throughout the process. Being just a phone call away, even outside regular hours, is important to me to...
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Joe went out of his way to help me get my loan in a timely manner
Reply from Joe Lochmann
August 15th, 2025 02:08 PM
Thank you so much for your kind review, Sharon. I'm really pleased that I could assist you in obtaining your loan promptly. It's important to me to go the extra mile whenever someone needs help. If there's anything more you need or if you have...
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Working with Joe was fantastic. His communication help put our family at ease during a stressful time and he was always willing to take a call or answer questions. He was able to help us navigate the process with ease even with several challenges...
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Reply from Joe Lochmann
August 12th, 2025 01:21 PM
I'm really touched by your thoughtful review, Zachary. I'm glad I could support your family during a challenging time and make the process smoother for you. Communication is important, and I'm pleased to know it helped ease your stress. If...
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Joe was great to work it and made the process easy.
Reply from Joe Lochmann
August 8th, 2025 02:42 PM
I appreciate your kind words, Nathan. Making the process easy for you is always my goal, and I'm pleased to hear that your experience reflected that. If you ever have more questions or need further assistance, please don't hesitate to contact...
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Everything was quick and Easy and all information we needed was provided to us on time and in order.
Reply from Joe Lochmann
August 5th, 2025 05:57 PM
I'm glad to hear everything went smoothly and efficiently, Koen. Ensuring you had the necessary information in a timely and organized manner is always a priority for me. If you have any more questions or need further assistance, please 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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