My Home Loan Guru

Let us help you:

Get Educated

Whatever your goals are we are here to help!
Click our prequalifier to get started!

“An educated buyer makes a better buyer.”

We help our buyers make the smart choice

Every client we help has a different scenario. First Time Buyer, Investor, Foreign National, ITIN, Self Employed, Retired, Good Credit, Bad Credit, Afraid to Look Credit….

Whatever your situation we help you navigate the ins and outs of obtaining a mortgage .

Technology with a hands on approach

Our Technology makes your home purchase efficient, eliminating stress by keeping you in the loop every step of the way and allowing us to do what we do best, be available for you!

Documents

Everything is electronic, upload documents easily, electronic signatures and mobile friendly

Teamwork

From initial loan application to closing and funding your loan, our team of Loan Officers, Processors and Underwriters are fast and efficient.

Expert Advice

We are with you every step of the way including all of the steps you need to take when you are preparing for your purchase.

Information Oriented

We keep everyone involved in your transaction in the loop and moving forward, Your Real Estate Agent, The sellers Real Estate Agent, Title Company, Insurance Agent and most importantly you!

Loan Products

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Purchase

Purchasing A Home? Primary or Investment Start Here

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Refinance

Need some cash? Want to pay off your home faster? Click to Explore your options

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Education

If your new to the home buying process click here to start learning

Use this calculator to see monthly payments for different loan amounts

Income
Gross Annual Income (before tax)
Maximum Housing Expense %
(M1) Max Monthly Payment Based on Income
Monthly Debts

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Current Monthly Debts
Maximum Debt-to-Income Ratio
(M2) Max Monthly Payment Based on DTI
Maximum Monthly Payment (lower of M1,M2)
Monthly Housing Expenses
Property Tax (Monthly)
Home Owners Insurance (Monthly)
PMI (private mortgage insurance)
HOA Fees
Other (Utilities, Repairs, etc.)
(M3) Max PI Payment Based on Expenses hac-dollar
Available Funds
Available Funds
Fixed Closing Costs
Variable Closing Costs (based on price)
Minimum Down Payment
Maximum Home Price Based on Funds
(M4) Max PI Payment Based on Funds
Maximum PI Payment (lower of M3,M4)
Financing
Term of Mortgage (years)
Annual Interest Rate
Loan Amount Based on Max PI Payment
Down Payment Based on Available Funds
Total Estimated Closing Costs
Maximum Home Price
Depreciation
% of Home Price Depreciable
Years to Depreciate
Annual Depreciation (straight-line)

You Can Afford A House Up To
$372,080

$2,167
/ Month
PI Payment-
Property Tax-
Insurance-
PMI-
HOA-
Other-

Loan Amount
$372,080

Down Payment
$372,080

Est. Closing Costs
$372,080

Home Affordibility Calculator - By Hayyat Apps

We have helped thousands of clients find the right mortgage

At Geneva Financial we strive to “Be A Good Human” first and your Loan Advisor second.
Typically buying a home is the largest financial transaction you will ever make, so choose a lender that has the knowledge and resources to assist you with obtaining the best loan for your transaction.

Call: (321) 474.1414