Financing

First-Lien Home Equity Line

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.

First-Lien Home Equity Line

Homeowners and buyers whose deposits regularly run ahead of their spending.

A first-lien line of credit that works with your everyday account, so your deposits lower the balance right away. It has a variable rate and isn't right for everyone.

Replaces your mortgage with a first-lien line
Deposits lower your balance as soon as they post
Draw funds back when you need them
Purchase or refinance

Additional restrictions may apply

Read the FAQ

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Jonathan 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.

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Common questions

What is a VA loan?

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.

Is a VA loan the same as Homes for Heroes?

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.

What is a DSCR loan?

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.

What is a doctor loan?

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.

Is this a rate quote?

No. Product names and benefits are educational. Apply or book a call for a personal file review.

What does the program savings comparison show?

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.

Can I use another agent or another lender?

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.

What is Buyer Credit?

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.

Can Homes for Heroes stack with other programs?

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.

Is the 2.25% buy-before-you-sell fee a commission?

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.

Is Jonathan Loescher a Realtor and a Mortgage Loan Originator?

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.

What do Tampa Bay clients say about Jonathan Loescher?

Verified reviews cover buying, selling, and refinancing, with the home search and the loan handled together. Reviews go live after staff approval.