Financing
Educational comparison of FHA, VA, Conventional, Non-QM, jumbo DSCR, jumbo bank-statement, and doctor loans. Eligibility is confirmed at consult.
Investors buying or refinancing rental property above conforming loan limits.
Qualifies on the property's rent versus the payment, not personal tax returns. 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.
