Roanoke Valley · Lakeland · Tampa

Mortgage Lender Built for Your Legacy.

Three decades across two states. If you’ve been searching “mortgage lender near me,” you’re probably looking for more than a loan. You’re looking for clear answers, strong guidance, and a smoother path to closing. The pre-approval Realtors actually trust.

Start your Pre-approval Why our pre-approval is different

NMLS #308553 · Licensed in VA + FL · Best of Roanoke 2023

#1

Originator in Market

30+

Years of Experience

5.0

Zillow and Google Reviews

VA

Dual-STate Licensed

Loan Programs

The Right Loan for the Life You’re Building.

From your first home to your fifth, from a primary residence in Roanoke to a vacation home in Lakeland, we structure financing around the way you actually live, not a rate sheet. Every program below is one we close week in, week out. See all loan programs →

Conventional

The flexibility most buyers want. Low down payment options for first-time buyers, smart pricing for repeat owners.

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VA Loans

No down payment for those who served. We close VA loans the way Realtors hope every lender would.

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FHA

A low down payment with credit-friendly guidelines. A real path to homeownership when other doors look closed.

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USDA

Zero down for eligible rural areas. Common in our Virginia footprint and underused by buyers who’d qualify.

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Jumbo

For homes above conforming limits. Custom-structured for executives, physicians, and high-earner files.

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Construction-to-Perm

One close for build and mortgage. Land, draws, and final loan handled cleanly so your builder stays paid.

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Bridge & Gap

Buy before you sell. Tap the equity in your current home so you can move on the right house, not the wrong timeline.

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Refinance

Lower payment, shorter term, or cash-out for what’s next. We run real numbers, not a sales pitch.

Explore

See all Programs in detail
The Pre-Approval Difference

We Only Do Pre-approvals.
Not Pre-qualifications.

Most lenders run a soft credit pull, ask three questions, and call it a pre-qual. It looks the same on paper. It plays out very differently when you’re competing for a house.

Our team underwrites your full file before you ever make an offer. Income, assets, credit, the whole picture. So when a Realtor sees Jonathan’s name on a pre-approval letter, they know one thing for certain: the deal will close.

Full underwriter review before you make an offer
Letter Realtors and listing agents recognize and trust
Stronger position in multiple-offer situations
No surprises three weeks before closing
Read the full difference CFBB on pre-approval
An approved Mortgage loan application form with house key and rubber stamp close up from a Mortgage Lender Near Me
Jonathan Swaet, a Mortgage Lender Near Me Headshot
Meet Jonathan

Three Decades.
One Mission. Yours.

Jonathan Sweat is a nationally respected mortgage loan officer, sales coach, and industry leader. He serves homebuyers and homeowners across Virginia and Florida, with a primary focus on the Roanoke Valley and the Lakeland and Tampa markets.

Known for trusted guidance, clear communication, and results-driven solutions, Jonathan has consistently ranked as the #1 loan originator in his market. First-time buyers, seasoned homeowners, and the Realtors who refer them all come back for the same reason: every file gets the attention of a team that knows the difference between closing a loan and closing it well.

Read Full Story
How It Works

Four Steps. No Surprises.

From the day you apply to the day you close, you’ll know exactly where your loan stands. Most clients are fully pre-approved within 48 hours of submitting docs. Start the application →

01

Apply

A 15-minute online application kicks things off. Or pick up the phone if you’d rather talk it through.

15 Minutes

02

Get pre-approved

Our team underwrites your full file, not just a credit check. You’ll know exactly what you can buy.

24 – 48 Hours

03

Find your home

Shop with confidence. Realtors know the letter is real, so your offer carries weight from day one.

Your timeline

04

Close with confidence

We coordinate every step with your agent and title company. On time, on terms, no last-minute drama.

21-30 days

See all Programs in detail
Client Stories

Roanoke Families.
Real Outcomes.

Five-star ratings on Zillow, Google, and Facebook from buyers who’ve stood where you are now. Read every review →

Homebuyer | Closed Early and Stress-Free

★★★★★

“I came to Jonathan and his team about a previous house and, unfortunately, it didn’t work out in our favor, even though they tried everything. When it came to the home we ultimately purchased, they did everything they could and were able to help us close early. I would recommend them to anyone looking to start the homebuying process.”

Tiffany K

New Castle, VA

Homebuyer | Responsive From Start to Finish

★★★★★

“Jonathan was very responsive, informative, and friendly. He made the whole process easy and took the time to thoroughly answer every question I had. He even went beyond his duties to recommend additional resources that were relevant to my situation and homebuying experience. I would not hesitate to recommend Jonathan and The Legacy Team.”

Riley N

Salem, VA

Homebuyer | Professional and Efficient

★★★★★

“Working with Jonathan and his team was a fantastic experience from start to finish. They demonstrated exceptional professionalism and responsiveness, consistently answering our questions quickly and thoroughly. Their expertise and dedication ensured the mortgage process went smoothly and efficiently, exceeding our expectations.”

Timothy M

Salem, VA

Read more reviews
For Current Homeowners

Curious What Your
Home is Worth Now?

Pull a free property report, see your current equity, and find out whether refinancing or a cash-out actually makes sense for you. Numbers, not a sales pitch. Two minutes, no SSN required to start.

See refinance options Run the numbers
Estimated Home Value
$487,200
+18.4%
over five
years
For Realtors

Refer with Confidence.
The Letter Behind the Offer Matters.

Realtors across the Roanoke Valley and Tampa Bay refer their buyers to The Legacy Team because every pre-approval is fully underwritten before the offer goes out. No pre-quals. No three-week-out surprises. The letter your client carries into a multiple-offer situation actually means something.

For realtors overview Why our pre-approval is different
What Realtors get

“A pre-approval letter that holds up at the closing table. Direct access to Jonathan, Dixie, and Ellyson. Not a call center.”

540.314.8843 · Direct line · Same team start to finish

Resources

Read Before You Sign.

The mortgage process moves fast and the wrong assumption can cost you tens of thousands. We write the field guide we wish more buyers had read first.

  • For many buyers, getting pre-approved feels like crossing the finish line. The paperwork is submitted, the documents are reviewed, and […]
    Read Article
  • Most buyers do not start the mortgage conversation by asking about loan structure. They start with a house. They find […]
    Read Article
Resources

Your Next Chapter, Your Way.

Whether you’re buying your first home, your fifth, or refinancing what you already own, the next conversation starts the same way. A real one. With a real person. If your search started with “mortgage lender near me,” it can end with a clear next step.

Start your pre-approval Have questions first?

Or call 540.314.8843 and ask for Jonathan directly.

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