Financing
Educational comparison of FHA, VA, Conventional, Non-QM, DSCR, bank statement, flexible-income jumbo, doctor, first-lien home equity line, and down payment assistance programs. Eligibility is confirmed at your consultation.
Self-employed buyers, business owners, and independent contractors whose tax returns don't show their full income.
You qualify on the deposits in your bank statements instead of tax returns. Eligibility is confirmed at your consultation.
Additional restrictions may apply
Apply for a loanJonathan Loescher, Mortgage Loan Originator, NMLS 2621894. Loans are offered through PMF, Inc. NMLS 1980. Equal Housing Opportunity. This page is educational and is not a commitment to lend. All loans are subject to credit approval, underwriting, and property eligibility. Not all applicants will qualify. Programs and guidelines may change without notice.
VA loans can offer down payment and mortgage insurance options that other loans may not, depending on your entitlement and the property. I'll walk you through what applies to your file.
No. A VA loan is a mortgage product. Homes for Heroes is a cash-back program on the real estate side. They can apply to the same buyer when you qualify. Homes for Heroes cannot stack with Buyer Credit, List + Buy, or the 2.25% buy-before-you-sell fee. Confirm both at consult.
A DSCR (debt-service coverage ratio) loan is a Non-QM investor product that looks at the property's rent versus the payment. It is educational here, not a promise of approval.
A doctor loan is a primary-residence program for eligible medical professionals such as MD, DO, DDS, DMD, PharmD, VMD, DPM, and CRNA. Highlights can include flexible mortgage insurance options and student loan payments excluded when guidelines allow. Additional restrictions may apply. Confirm at consult.
No. Product names and benefits are educational. Apply or book a call for a personal file review.
It estimates cash to close or net proceeds under a typical split team, a portal-style path, and working with Jonathan as Realtor and Mortgage Loan Originator. Figures are educational estimates, not a loan quote.
Yes. You can use another agent or another lender. Realty of America and PMF, Inc. are separate companies. Using Jonathan on one side does not require using him on the other.
Buyer Credit is 20% of the buyer-side commission that is actually available, up to $3,000. The commission is negotiated with your Realtor. It is an educational estimate, not a promise of credit. Apply for a loan at jonathanloescher.com/apply if you need the loan side too.
No. Homes for Heroes is exclusive. If it applies, Buyer Credit, List + Buy, and the 2.25% lender buy-before-you-sell fee do not. Confirm eligibility at consult.
No. The 2.25% is a lender program fee on the sale of the current home, not a brokerage commission. Apply for a loan at jonathanloescher.com/apply.
Yes. Jonathan is a licensed Florida Realtor and a Mortgage Loan Originator. Tampa Bay clients can work with him on the home search and the financing together.
Verified reviews cover buying, selling, and refinancing, with the home search and the loan handled together. Reviews go live after staff approval.
