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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 Julie Dedmon
WHY NOT?
Think Good. Do Good. Be Good.
It can really be that simple! In 2017, after 20+ years in the industry, I was done. After some difficult months of soul searching, healing from past wounds in my life and evaluating my next steps, I had an epiphany… it wasn’t the business or the industry at all, IT WAS ME! I needed to re discover my WHY, find my passion within my knowledge and then find a company that would support me in my pursuit of building the absolute best group of human beings in this industry to work together and make this full of FUN, LIFE, LOVE and SUCCESS!
My years in this business have allowed me to experience all facets of our industry at a number of companies and in a variety of capacities. I began in the late 90’s working for First American Title and evolved into the finance side of real estate in the early 2000’s. I am back focusing 100% of my time on the exact piece of this industry I love the MOST ~ serving buyers and borrowers looking to purchase or refinance their slice of the American Dream!
With everything it takes to strive to be a FABULOUS human each day and an EXTRAORDINARY loan originator, I would not be me without my team. It indeed takes a STRONG and DEDICATED village ~ a village that supports, motivates and challenges you to reach and exceed your goals and visions daily!
If you are thinking about purchasing a home, upsizing, downsizing, rightsizing, refinancing your current mortgage, consolidating debt or otherwise in need of a mortgage, mortgage advice, or just want to chat about life ~ I encourage you to reach out to me. My village and I want to support YOU!!
Love and Hugs ~
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.
