Geneva Team Winter Haven

369 East Central Ave Winter Haven      


Carlos Unzueta

Branch Manager

I spent the first 11 years of my career working for BIG CORPORATE banks. After years of corporate changes and aggravation at the lack of client care I decided to make the move and become an independent mortgage consultant. I joined Geneva Financial LLC. in June 2015 as a Senior Mortgage Consultant and am very excited for the future this company brings as it grows its branch network in Florida. I have personally grown my business by offering professional, fair, and prompt client service over the years. This has brought many referrals from past and present clients as well as numerous Realtors I have worked with over the years. I look forward to the privilege of helping you finance any of your home mortgage needs.

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Joe Mata

Loan Officer

I’m your Personal Mortgage Advisor here at Geneva Financial, LLC. I’ve been in the mortgage and banking business since 2004. Buying a new home or refinancing your mortgage should be a positive experience, my goal is to guide you and make the process as smooth as possible. I’m committed to maintaining the highest level of customer service in my profession, being available to you seven days a week and working diligently on your behalf. I would love the opportunity to be your mortgage specialist and appreciate any recommendations or referrals on your behalf. I am ready to provide you with residential mortgage services throughout the great state of Florida.



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Rafael Unzueta

Loan Officer

I’m proud to say that I’ve been a lifelong resident of beautiful Central Florida and I have a passion for the residents and businesses in my community. Winter Haven and the surrounding area is a paradise of lake front and beach front communities just outside of Orlando. During my career, it’s been a blessing to be able to secure home financing for so many Florida families! With eight years experience in the mortgage industry, I've seen the change s in mortgage regulations and lending trends.   Allow me to help you and your family navigate through the lending process.  I consider it a privilege to walk this journey with you!



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Jeff Wildermuth

Loan Officer

I actually like to use the title of Mortgage Advisor because it’s my purpose to get to know my clients, find out what their needs are and offer the mortgage products that best fit their current and future financial goals.  It’s very gratifying for me to help people achieve their home ownership dreams.I pride myself on providing exceptional customer service and I closely work with my clients during the entire loan process through to closing, and beyond.  My goal is to be “Your Mortgage Guy” for life!  Whether you’re a consumer or a Realtor that I’m working with, that is my stated mission.  I look forward to hearing from you, reach out to me anytime via phone, text or email.

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Lee Patteson

Loan Officer

My goal as a loan officer is to work hard for my clients.  I want to help borrowers find the right mortgage product and navigate the lending process successfully.  Since 2003, I have worked in the mortgage and real estate industries and have seen many changes over these years.   In addition to the complex nature of the mortgage industry, I know that each client brings a unique set of circumstances to the table.  It is my desire to give each client special attention to help them achieve their own personal goals.

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Bogdan Afloarei

Loan Officer

Bogdan works with Homeowners and Homebuyers to Finance their Dream Home. Working with a Mortgage Loan Originator experienced in our local market is the surest way to secure the best investment in your new home. The details involved in home buying – particularly the financial details – can be daunting. As a Mortgage Loan Originator well-versed in local custom and requirements, he can guide you through the entire process and make your experience stress- and hassle-free. Bogdan can also help you define the price range you can afford and remind you about those hidden costs and benefits of home ownership that you might forget to consider.


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Jason True

Loan Officer

Jason A. True, CRC has been in the residential and commercial banking industry for over 19 years. Formerly, he has served in positions from Vice President of commercial lending to a Senior Vice President and Senior Lender for a community bank in Florida. He has a diverse background in real estate lending ranging from residential homes, rental properties, and commercial real estate.  Jason is extremely excited about putting his years of mortgage banking experience to work as he joins Geneva Financial, LLC as a Senior Mortgage Officer.  He is committed to providing stellar client care from start to finish.  Jason’s vast knowledge in the lending field makes him the perfect mortgage advisor for meeting any real estate mortgage needs. He graduated with a B.S. Degree in Finance from Webber International University and has been a real estate lender since 1998. Geneva Financial LLC is proud to join forces with this well-respected mortgage lender in the Central Florida market. 

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Abby Updike Skipper

Loan Officer

Abby Updike Skipper graduated from the University of FL with a BS in 1999.  She worked in banking and investing for the first part of her career before becoming co-owner of a phosphate reclamation company in January, 2001. Abby put her financial background into action and she continues to manage accounts payable, receivables and payroll for her company.  In 2006, Abby re-entered the banking arena when she started as a mortgage loan originator and found success working with her network of friends and professional relationships. She volunteers time for disability advocacy, advocating for Exceptional Student Education, and all people with disabilities.  Abby is married to Alan, and they have 4 daughters. She spends free time with her family, and enjoys riding horses with her girls.

Geneva Financial LLC is proud to add Abby to our respected team of mortgage originators serving the Central Florida market.


Winterhaven Processing Team

Michele Schatz - Mortgage Processor    Kiley Engler - Transaction Manager    Daniela Buffington - Mortgage Processor   

Michele Schatz - Mortgage Processor    Kiley Engler - Transaction Manager    Daniela Buffington - Mortgage Processor   


Kiley Engler

Transaction Manager


Daniela Buffington

Mortgage Processor


Michele Schatz

Mortgage Processor