Empowering Families, Building Generational Wealth, One Home at a Time.

It depends on the file. Financing, inspection, appraisal, insurance, and title all sit on the calendar. It can be 30 - 60 days from contract acceptance. Book a call and we will discuss your timeline.

It depends on the file. Financing, inspection, appraisal, insurance, and title all sit on the calendar. It can be 30 - 60 days from contract acceptance. Book a call and we will discuss your timeline.

Yes. I am a Tampa Bay Realtor and Mortgage Loan Originator. First-time buyers can search and apply on one file. Down payment help and Homes for Heroes, if they apply, are confirmed at consult. They cannot be combined with other credits on this site. Realty of America and PMF, Inc. stay separate.

Plan for the price, down payment, closing costs, insurance, taxes, and any HOA or CDD. Cash to close is that stack minus credits and earnest money. Book a call for a budget on a specific house, or apply for a loan if you want the number on a Loan Estimate.

Buyer closing costs are Florida taxes, title, loan fees, and prepaids. The closing-costs guide on this site uses an educational buyer range of about 2 to 5 percent of the price, not counting down payment. Broker compensation is negotiated in writing. Book a call for a worksheet on your address.

Flood zone, insurance, HOA or CDD, and the loan file decide the monthly number more than a listing photo does. Communities are not interchangeable. Read the published guides, then apply for a loan so the showing list matches a payment you can close.

I work Tampa Bay as a Realtor: Tampa, St. Petersburg, Clearwater, Largo, Seminole, and the surrounding metro. I originate mortgages anywhere in Florida (NMLS# 2621894). Browse live listings, or start with a published community guide.

Examples of Tampa Bay places families often look at include Safety Harbor, Dunedin, and Feather Sound. Confirm commute, flood, HOA, and the house. Book a call at jonathanloescher.com/book and we will match a block to your file.

As a licensed Mortgage Loan Originator with PMF, Inc., I help you compare loan programs, gather documents, and move your file through underwriting to closing. That works for homes anywhere in my service area. I'm also a Realtor at a separate company, and you don't have to use both. Any loan approval is conditional until all underwriting conditions are met.

Conventional files are often discussed around a 620 guideline. FHA is often discussed around 580 with a small down payment. Those are typical lender overlays, not a quote and not a promise. Confirm at consult. Apply for a loan if you want a file review.

Some buyers qualify for down payment assistance or other help. Eligibility is confirmed at consult. Homes for Heroes, if it applies, cannot be combined with Buyer Credit, List + Buy, or a third-party buy-before-you-sell program. Apply for a loan or book a call.

Pre-qualification is a conversation about income and credit. Pre-approval is a lender review of a file. Apply for a loan here for a second look even if you already have a letter from somewhere else. Any loan approval is conditional until all underwriting conditions are met.

I am a Tampa Bay Realtor and Mortgage Loan Originator, so the home search and the loan can sit on one file. Realty of America and Pioneer Mortgage Funding, Inc. stay separate companies. You can use me on one side and someone else on the other.

Yes. I am a Tampa Bay Realtor and Mortgage Loan Originator. Search, tour, and apply can stay on one file. Realty of America and Pioneer Mortgage Funding, Inc. stay separate companies. Using me as Realtor does not require using me as Mortgage Loan Originator, and the reverse is also true.

It depends on the neighborhood, the price, and the season. Open the community guide for the place you want and read the listings section for current inventory pricing and market stats, or browse live Tampa Bay homes at jonathanloescher.com/browse.

Florida property tax is assessed value times the local millage, minus exemptions. Millage varies by city. The homestead exemption can change the bill on a primary residence. Taxes are often escrowed with the mortgage. Book a call at jonathanloescher.com/book on a specific address.