Financing
Educational comparison of FHA, VA, Conventional, Non-QM, jumbo DSCR, jumbo bank-statement, and doctor loans. Eligibility is confirmed at consult.
Self-employed and complex-income buyers whose loan amount is above conforming limits.
Qualifies from bank statements or documented income when tax-return boxes do not fit. Eligibility is confirmed at consult.
Additional restrictions may apply
Apply for a loanA VA loan is a mortgage for eligible veterans, active-duty service members, and surviving spouses. Many files can close with $0 down and no monthly PMI. A funding fee may apply unless you are exempt. Jonathan originates VA loans through PMF, Inc. This is educational, not a promise of approval.
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 2.4% 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 jumbo DSCR loan is a Non-QM investor file above conforming loan limits. Qualification looks at the property's rent versus the payment, not personal tax returns. It is educational here, not a promise of approval.
A jumbo bank-statement loan is a Non-QM file above conforming limits for self-employed and complex-income buyers. Qualification can use bank statements or documented income when tax-return boxes do not fit. Eligibility is confirmed at consult.
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 no monthly MI, loan amounts up to $2 million, 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.
Florida does not require a wind mitigation inspection as a statewide condition of buying. Carriers may ask for one before they bind a policy, especially on older roofs and coastal houses, including Indian Shores. The report can change the insurance line and cash to close. Confirm on the house. Book a consultation at jonathanloescher.com/book or apply for a loan at jonathanloescher.com/apply.
Yes. Jonathan Loescher is a Tampa Bay Realtor and Loan Originator. He originates VA loans through PMF, Inc. for eligible veterans, active-duty service members, and surviving spouses. Many files can close with $0 down and no monthly PMI. A funding fee may apply unless you are exempt. Eligibility is confirmed at consult. This is not a promise of approval. PMF, Inc. is not acting on behalf of or at the direction of the VA.
Yes. Jonathan Loescher is a Tampa Bay Realtor and Loan Originator. Search, tour, and apply stay on one file. Realty of America and Pioneer Mortgage Funding, Inc. stay separate companies.
Pre-qualification is a conversation about income and credit. Pre-approval is a lender review of a file. Apply on this site for a second look even if you already have a letter from somewhere else.
It depends on the loan, equity, and timing. Jonathan can model buy-before-you-sell as a lender program fee, not a brokerage commission, then list the current home. Book a call for the numbers on your file.
