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Mon 9:00am – 5:00pm
Tues 9:00am – 5:00pm
Wed 9:00am – 5:00pm
Thur 9:00am – 5:00pm
Fri 9:00am – 5:00pm
Sat 9:00am – 5:00pm
Sun By Appointment
Geneva Financial, LLC – Home Loans Powered by Humans® – is a direct lender serving Arizona and 48 other states offering New Home Loans, Refinance, VA & USDA Loans, First-Time Homebuyer, Homes for Heroes, Reverse, Self-Employed, Down Payment Assistance Programs and Investor lending products.
With in-house underwriting and an Operations Team that does not believe in punching a “9 to 5” clock, Geneva Financial provides a rapid and smooth mortgage process. Yes, we have technology – specifically to offer you convenience – but more importantly to provide more time for our team to give you the white glove service technology can’t.
Branch Manager Jenna Biancavilla – Ms. Biancavilla is a fearless entrepreneur, financial expert, and captivating public speaker whose life mission is to serve others.
As the Branch Manager and a Senior Loan Officer with the Arcadia Biltmore Branch of Geneva Financial, LLC, Jenna prides herself in being an educator at heart throughout the loan process. She ensures that her clients understand all of their best options and feel informed throughout the entire loan process. Whether you are considering buying your first home, refinancing debt, or purchasing an income-producing rental property, Jenna will help with all the financial considerations necessary to buy the best property for your financial future.
Jenna is the Founder and a Wealth Advisor with Pearl Capital Management, a financial services firm with a passion for helping people, and also the Managing Partner of 17 Capital Partners, LLC, a boutique investment company. With this knowledge and financial expertise, she is able to take a true holistic approach to your financial situation.
Jenna graduated from The University of Arizona with a degree in Economics and has over a decade of experience in the financial services industry. Her specialties include personalized investing for individuals and corporations, complex wealth management strategies, mortgage lending, and college planning.
Jenna serves as the current President of the Phoenix Children’s Hospital’s Emerging Leaders Board, is an active foster parent with the AZ Humane society and holds several other advisory board positions throughout Phoenix. Armed with extensive leadership training through Scottsdale Leadership she is one of the Valley of the Sun’s rising stars in the philanthropic community.
Sr. Loan Officer Kevin Pistole – Kevin Pistole is a Sr. Loan Officer with Geneva Financial. He was raised in the Seattle area before moving to Arizona in 2007 to attend Arizona State University. Graduating in 2010 with a BS in Communications. Prior to the mortgage industry, he was helping people as a personal trainer and outside sales.
In 2009, he purchased his first property and in 2015 he began as a Loan Officer and processor/account manager licensed in Arizona, California, and Washington.
He loves spending time with his wife and their newborn daughter Presley. He also enjoys watching or attending any and all sporting events, going to concerts, and surrounding himself with great friends and family.
Sr. Loan Officer Jonathon Reece – Husband & Father / Your Residential Mortgage Guy for 20 YEARS / Commercial Real Estate Loans Nationwide / Lender / Investor / Board Member / Business Consultant / Entrepreneur / Voracious Reader & Learner / Teacher / Traveler / Student of the World / Student of Life / Lover of Life
CONVENTIONAL
FHA Loans
VA LOANS
USDA LOANS
JUMBO LOANS UP TO $3 MILLION
BUILDER FINANCING LOANS
MANUFACTURED HOUSING
EQUITY CASH-OUT REFINANCE
LOWER YOUR INTEREST RATE
REDUCE YOUR REPAYMENT TERM
FHA STREAMLINE
VA STREAMLINE ( VA IRRRL)
RENOVATION LOANS
DEBT CONSOLIDATION
CONVERT TO AN OFFSET MORTGAGE
REVERSE MORTGAGE (HEMC)
DOWN PAYMENT ASSISTANCE PROGRAMS
HERO MORTGAGE PROGRAMS (SEE BELOW)
HOMES FOR HEROES APPROVED LENDER
SELF-EMPLOYED BORROWER PROGRAMS
NO-CREDIT SCORE PROGRAMS
LOW CREDIT SCORE PROGRAMS
PHYSICIAN HOME LOANS – INCLUDING JUMBO
FOREIGN NATIONAL PROGRAMS
EXTENSIVE INVESTOR & COMMERCIAL OFFERING
Our Geneva Financial team strives to make the home loan process as simple as possible by guiding you through every step – from your original application to closing day and beyond. We will also provide you with constant updates to keep you informed on the progress and status of your loan throughout the entire process.
The first contact with your Geneva Financial loan professional via email, phone or in person, is to discuss your goals for homeownership. This first contact may cover how long you plan on living in the home, the amount of down payment you will need, and how much you want your monthly payments to be.
A “Pre-qualification” determines how much money you will be eligible to borrow for your home before you actually fill out your loan application. It is important to understand that a pre-qualification does not guarantee you will get a loan. During this second step, your Geneva Financial team will gather your financial information and make a “conditional” determination about your qualifications for your home loan. (You can review our Document Checklist for the basic information required again above.)
*A pre-qualification is not an approval of credit and does not signify that underwriting requirements have been met.
When you have completed a loan application, your Geneva Financial loan officer collects all your required documents and submits your loan file to his Geneva Financial Team loan processor. The processor then reviews your file and orders your property appraisal. As always, depending on your situation, our Geneva Financial Team processor may need additional documentation from you during this step. Once your loan file is completed, the processor will then submit it to Geneva Financial Team underwriting for approval.
Our Geneva Financial Team underwriter reviews your loan file to ensure all guidelines are met for the specific loan program and issues a loan decision. Once your mortgage has been approved and all conditions have been cleared, your loan is now in the “Clear to Close” status.
You will now receive an official loan commitment letter which contains the details of your loan including the rate, the amount and the terms along with any outstanding conditions that need to be addressed before the file is sent to closing. Once everything is cleared by our Geneva Financial underwriter, the Geneva closing department will complete your final documents.
The time is here! During closing, you will be required to sign a variety of final documents. Make sure you bring a photo ID (Drivers License or Passport) along with the proper form of payment to cover your down payment, closing costs, prepaid interest, taxes, insurance or any additional costs. When the closing documents are completed and all funds have been disbursed by the title company, you will receive the keys to your new home.
