Download the GenevaGO Human-Friendly Homebuying App to get exclusive access to real estate resources! Technology is a modern convenience best reserved for buying basic items, booking appointments and having your favorite take-out delivered. When it comes to life's biggest decisions, you deserve to have an experienced human by your side and available when it's convenient for your hectic schedule.
At Geneva Financial, you work with ONE licensed Mortgage Loan Officer throughout your transaction. We are available to communicate with you nights, weekends, early mornings - whatever is most convenient for your life. I worked with Luis as the loan officer for our Texas house. He's one of the most responsive people I've dealt with. He does what is best for you, the customer, within reason.
At the same time, he's not pushy. I loved doing business with him. You heard me right. Last but not the least, he worked relentlessly to get us the best deal that none of the competition could match. I'll recommend Luis to anyone I know that's planning on buying or refinancing a house in the Texas area.
At Geneva Financial, you work with ONE licensed Mortgage Loan Officer throughout your transaction. We are available to communicate with you nights, weekends, early mornings - whatever is most convenient for your life. I worked with Luis as the loan officer for our Texas house. He's one of the most responsive people I've dealt with. He does what is best for you, the customer, within reason.
At the same time, he's not pushy. I loved doing business with him. You heard me right. Last but not the least, he worked relentlessly to get us the best deal that none of the competition could match. I'll recommend Luis to anyone I know that's planning on buying or refinancing a house in the Texas area.
Services
Our mission at Geneva Financial is to approach every aspect of our business from the "inside-out."
With a culture-forward mindset, we focus on our mortgage loan originators and support staff first in order to ensure an unbeatable experience for our customers.
Our Core Values were created as a daily reminder to operate with the inside-out approach in mind.
Core Value #1 - "Be Human" is the backbone of all our Core Values, our mission, and our brand vision.
Founded in 2007 by Aaron VanTrojen, Geneva Financial (NMLS 42056) is a direct mortgage lender headquartered in Chandler, Arizona with more than 100 branch locations nationwide.
With a culture-forward mindset, we focus on our mortgage loan originators and support staff first in order to ensure an unbeatable experience for our customers.
Our Core Values were created as a daily reminder to operate with the inside-out approach in mind.
Core Value #1 - "Be Human" is the backbone of all our Core Values, our mission, and our brand vision.
Founded in 2007 by Aaron VanTrojen, Geneva Financial (NMLS 42056) is a direct mortgage lender headquartered in Chandler, Arizona with more than 100 branch locations nationwide.
The benefits of homeownership reach far and wide.
Not only are there financial benefits to owning a home but there are emotional, social, and societal benefits as well!
Take a look at all homeownership has to offer.
More than 70% of non-cash, first time home buyers made down payments of less than 20% over the last five years.
Only 13% of young adults (34 and younger) realize they can purchase a home with a down payment 5% or less.
Not only are there financial benefits to owning a home but there are emotional, social, and societal benefits as well!
Take a look at all homeownership has to offer.
More than 70% of non-cash, first time home buyers made down payments of less than 20% over the last five years.
Only 13% of young adults (34 and younger) realize they can purchase a home with a down payment 5% or less.
To refinance a mortgage means to replace an existing mortgage loan with a new one.
With a refinance, the principal balance of the existing loan is paid-in-full using the balance of the new loan.
When the refinance is complete, your old loan is retired - replaced with a new mortgage loan with new mortgage terms.
Sometimes, a homeowner refinances to exploit a change in market conditions, such as a change in today's mortgage rates or a rise in local home values.
A new mortgage can give lower mortgage rates or payments to the homeowner, and can remove private mortgage insurance (PMI) payments.
With a refinance, the principal balance of the existing loan is paid-in-full using the balance of the new loan.
When the refinance is complete, your old loan is retired - replaced with a new mortgage loan with new mortgage terms.
Sometimes, a homeowner refinances to exploit a change in market conditions, such as a change in today's mortgage rates or a rise in local home values.
A new mortgage can give lower mortgage rates or payments to the homeowner, and can remove private mortgage insurance (PMI) payments.
VA loans are designed specifically for veterans.
VA loans should only be issued by a VA-approved lender and are guaranteed by the federal government.
The primary benefit of a VA loan is Veterans with qualifying credit and income can purchase a home with no money down, making it an attractive option for those whohave served in the military.
VA loans also feature flexible requirements, no private mortgage insurance (PMI), and competitive mortgage rates.
To qualify for a VA Loan, a veteran must have served 181 days during peacetime, 90 days during wartime, or 6 years in the Reserves or National Guard.
VA loans should only be issued by a VA-approved lender and are guaranteed by the federal government.
The primary benefit of a VA loan is Veterans with qualifying credit and income can purchase a home with no money down, making it an attractive option for those whohave served in the military.
VA loans also feature flexible requirements, no private mortgage insurance (PMI), and competitive mortgage rates.
To qualify for a VA Loan, a veteran must have served 181 days during peacetime, 90 days during wartime, or 6 years in the Reserves or National Guard.
A jumbo loan is a loan for a home where the loan amount falls outside of the conforming loan limits.
In most counties the conforming loan limit is $548,250 (higher in other counties).
A jumbo 30-year fixed-rate mortgage1 is a convenient way to finance your dream home without requiring a second mortgage or tying up cash.
If you are looking to buy a high-priced or luxury home and have a lower debt-to-income ratio, a higher credit score, and a larger down payment, a jumbo loan may be right for you.
In most counties the conforming loan limit is $548,250 (higher in other counties).
A jumbo 30-year fixed-rate mortgage1 is a convenient way to finance your dream home without requiring a second mortgage or tying up cash.
If you are looking to buy a high-priced or luxury home and have a lower debt-to-income ratio, a higher credit score, and a larger down payment, a jumbo loan may be right for you.
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