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 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.

How does List + Buy work in Tampa Bay?

List + Buy is a 2% listing fee when you list with me, buy the next home with me as Realtor, and I originate that loan through PMF, Inc. It is negotiated compensation, not a rebate and not a promise that every file qualifies. It does not stack with Buyer Credit, Homes for Heroes, or Sell-Before-You-Buy. Confirm current terms at consult.

Can one person do the home and the loan?

Yes. I am a Tampa Bay Realtor and Loan Originator. Search, tour, and apply can stay on one conversation. Realty of America and PMF, Inc. stay separate companies.

Realtor and Loan Originator

See the dollars in your pocket

Portals show homes. This shows how much cash you actually keep (or need) when you work with a dual Realtor and Loan Originator who has real programs for Tampa Bay families. These are educational estimates only, not a loan quote. $17.8+ million in sales.

What this page compares

This is an educational cash-to-close comparison for Tampa Bay buyers and sellers. It models Buyer Credit, List + Buy, the lender buy-before-you-sell fee, and Homes for Heroes against a typical split team and a portal-style path. It is not a loan quote. Book a strategy call or apply for a loan. For specialists Jonathan already works with, see Trusted Partners.

Questions people ask

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 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.
How does List + Buy work in Tampa Bay?: List + Buy is a 2% listing fee when you list with me, buy the next home with me as Realtor, and I originate that loan through PMF, Inc. It is negotiated compensation, not a rebate and not a promise that every file qualifies. It does not stack with Buyer Credit, Homes for Heroes, or Sell-Before-You-Buy. Confirm current terms at consult.
Can one person do the home and the loan?: Yes. I am a Tampa Bay Realtor and Loan Originator. Search, tour, and apply can stay on one conversation. Realty of America and PMF, Inc. stay separate companies.

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