FHA
First-time and modest-down-payment buyers who fit FHA guidelines.
Lower down payment and flexible credit versus many Conventional files.
Additional restrictions may apply
Financing
Tampa Bay financing options
Educational comparison of FHA, VA, Conventional, Non-QM, jumbo DSCR, jumbo bank-statement, and doctor loans. Eligibility is confirmed at consult.
VA
Eligible veterans, active-duty service members, and surviving spouses.
Often $0 down and no monthly PMI when entitlement and the property qualify. Confirmed at consult.
Additional restrictions may apply
Conventional
W-2 and strong-credit buyers who want standard agency financing.
Broad investor guidelines and a familiar path to closing.
Additional restrictions may apply
Non-QM
Self-employed, investor, and bank-statement files that do not fit agency boxes.
Includes DSCR and other Non-QM options Jonathan actually originates.
Additional restrictions may apply
Jumbo DSCR
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.
- Qualifies on rent versus the payment
- Investment property
- Loan amounts above conforming limits
- Non-QM investor file
Additional restrictions may apply
Jumbo bank-statement
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.
- Bank statements or documented income
- Self-employed and complex-income files
- Loan amounts above conforming limits
- Non-QM jumbo file
Additional restrictions may apply
Doctor loan
Eligible MD, DO, DDS, DMD, PharmD, VMD, DPM, and CRNA buying or refinancing a primary home.
No monthly MI on files that qualify. Student loan payments can be excluded when guidelines allow. Eligibility is confirmed at consult.
- No monthly MI
- Loan amounts up to $2 million
- Primary residence only
- Purchase and rate-and-term refinance
- Minimum FICO 680, one score
- Gift funds allowed for reserves
- Student loan payments excluded when guidelines allow
- 15, 20, 25, and 30 year fixed
- 5/6, 7/6, and 10/6 ARMs
Additional restrictions may apply
Common questions
What is a VA loan?
A 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.
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 2.4% 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 jumbo DSCR loan?
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.
What is a jumbo bank-statement loan?
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.
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 no monthly MI, loan amounts up to $2 million, 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.
Do I need a wind mitigation inspection to buy a home in Florida?
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.
Does Jonathan Loescher originate VA loans in Tampa Bay?
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.
Can one person do the home and the loan?
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.
What is the difference between pre-approval and pre-qualification?
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.
Should I buy first or sell first in Tampa Bay?
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.