Hey Sophie. Thanks for sharing your experiences with this wonderful tree, even if this thread is seriously off-topic. But it's still fruit we love, right?
I dunno whether you would regard ours as a colder climate - guess that very much depends on what you are comparing us with. But I can tell you the following from my experience:
1. Our first loquat started flowering in April in its 7th year, so you have maybe another 2-3 years to go before you will see any bloosom/fruit.
2. Spring flowering meant that the worst of the Winter and late frosts were in the past, so there was nothing to worry about.
3. By mid-late July we had the most amazing ripe fruit, which we enjoyed for around 7-8 seasons until......
4. ........disaster! No more flowers, followed in the following year by Fall flowering. I asked for help/advice at our local garden centre, and was told that there was not a whole lot I could do about this turn of events. Flowering and fruit production are apparently under the control of plant hormones, and we don't get to tell the tree when to flower!!
5. I reasoned that if it's all down to hormones, I might be able to have a say by doing some radical pruning. The expert agreed it was worth a try, so I did some research. Apparently, this tree thrives on pruning, and up to 1/3 of the crown can be removed over 3 seasons without doing it any harm.
6. Initially, it seemed to do the trick - no more Fall flowering. Yippeeee!!
7. Only problem - there was no Spring flowering either. Bummer, but at least there was still a chance that it would be 're-set' to Spring flowering eventually, until.......
8. .......it started flowering again in the last few days!! Oh no, this tree just ain't gonna budge from Fall flowering, no matter what I do. The expert was right. Even radical pruning does not re-set its biological clock.
9. Hence this thread. I now only have one last throw of the dice - an appeal for ideas on how I might save the blossom/fruit from certain death by Winter. And it's just possible that I now have enough ideas (courtesy of forum members) to do the job. As I said, I'll update next Spring to let you all know if it worked.