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 Illinois 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.
Co – Branch Manager Tony M Costabile, Jr –
Being in the mortgage industry for over 16yrs, I have built a strong reputation serving the lending needs of individual home buyers, real estate professionals, builders, investors and financial planners.
With the dynamics of the mortgage industry having changed drastically over the last few years It is imperative to keep yourself aligned with a lender that offers the quality of service that you deserve, which is so critically important in today’s lending industry
I pride myself building relationships with my clients and am committed to assisting them with their immediate and long-term mortgage goals by focusing on a singular goal:
“To help home buyers find the right loan for their specific needs.”
I have always believed the cornerstone of my success is based on the values of putting the customer first and being ethical and honest in all of their dealings.
Your loan will be handled personally by myself and my team. From the initial consultation to the closing, we will be there to advise, simplify and expedite the process to ensure your complete satisfaction.
Geneva Financial is a full service lender offering Conventional, Jumbo, FHA, VA, Construction to Perm Financing, and Reverse Mortgages for both purchases and Refinancing for qualified clients age 62 and older.
So, no matter what your mortgage needs are, contact me for a personal, confidential, no obligation consultation.
I believe in family first, in my off time I enjoy: spending time with my family, taking my 2 dogs on walks, cooking, golfing, swimming, working out, sitting down with a good book…just to name a few.
“From start to finish…my goal is to exceed your expectations!”
Co – Branch Manager Dave Marquardt –
Dave Marquardt has been in the mortgage lending since 2005, He has an extensive knowledge of the industry’s history, products, and trends. He’s been a lifelong, resident of the Midwest, Dave and his family made their way to the Chicago area in 1992. Through these years he has been a Loan Officer, Branch Manager, and Owner giving him the skill set needed to ensure a great experience for his clients. He has extensive experience helping first time home buyers; His product experience also ranges from FHA, VA, USDA, Conventional, Jumbo and Reverse Mortgages.
His #1 priority is making sure his clients are happy and stress-free by informing them each step of the way and providing the options so they can make an informed decision. He enjoys the industry and along with his wife Judy they enjoy spending time with their family and their nine grandchildren.
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.
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