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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 Indiana 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 Cindy Baker – With over twenty years’ experience as a Mortgage Loan Adviser, the only thing that runs deeper than Cindy’s knowledge of home mortgages is her Southeastern Indiana roots. Being licensed in her home state of Indiana and serving the community in which she was born and raised, she is truly invested in helping her clients reach their homebuying goals – because her clients are her neighbors!
Cindy’s core values of ensuring each client is treated with honesty, integrity and expertise are a direct reflection of the values she learned growing up in the heartland of America. With a single objective of making sure that each client receives the right loan to achieve their goals, Cindy often goes above and beyond her duties to guide her clients through the home buying process to ensure a smooth closing.
First time home buyers can rely on Cindy to ease the fears of taking on the monumental event of attaining that first mortgage, and home buyers with more complicated situations can rely on her experience and knowledge to guide them to their destination. One of her most notable attributes is her devotion to her clients. Cindy’s desire to soak up all the knowledge of the industry and focus on continual improvement is noticed as she passes along her wealth of knowledge to her clients, resulting in a community of educated and confident homeowners.
Cindy prides herself on being easily accessible to her clients whether it’s communicating via email, text, social media, phone call, or in person. Utilizing the latest tools and technology in the industry, Cindy will get you on the fast track to realizing your home-buying dreams.
Cindy’s dedication to her clients has earned her multiple awards for outstanding performance and exceptional client satisfaction and led to her opening a second office in Madison Indiana, expanding her reach along the Ohio River Valley and helping even more clients achieve their home ownership goals.
975 Industrial Drive Madison, IN 47250
304 N High St, Rising Sun , IN 47040
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.
